39 Rutledge Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 39 Rutledge Rd, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,806 sqft · built 1933
Lot Size	0.245 acres (10,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Dec 2013)
Tax Bill	$28,726 (2025)
Deeds & Mortgages	Nov 2021 Refinance Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BELM M:50 P:000016 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:50 P:000016 S`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,806 sqft Living Area
Gross Area	2,348 sqft
1st Floor Area	967 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Architectural Style	Other
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,682 sqft (0.245 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	39 RUTLEDGE RD
City	BELMONT
State	MA
Zip	02478-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SB
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1004
Census Tract	357100

Owner

Source: Middlesex County and Belmont Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	39 RUTLEDGE RD, BELMONT, MA 02478-3322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE SAVINGS BANK
Oct 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES UNITED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2013 · Amount on Record
Deed Sale	Dec 10, 2013 · Amount on Record
Prior Sale	Nov 5, 2013
Deed Document Number	201325
Deed Book / Page	63041 / 420
Transfer Doc	63041-420
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	39 RUTLEDGE RD, BELMONT, MA 02478-3322
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	79062-466
Date	Nov 3, 2021
Book Page	79062/466
Instrument	240890

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	39 RUTLEDGE RD, BELMONT, MA 02478-3322
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73467-556
Date	Oct 16, 2019
Book Page	73467/556
Instrument	159281

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Middlesex County and Belmont Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Belmont Town
Unified School District	Belmont School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$28,726.00 (+18.37%)	$2,522,000 (+16.81%) Land $802,000 Building $1,720,000	$1,984,265 (-3.02%)
2024			$2,046,110
2023	$24,267.00	$2,159,000 Land $917,000 Building $1,242,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1978–2001)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 2001 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BELMONT WATER DEPT. (MWRA) serves 27,442 people · EPA ID MA3026000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jul 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 522 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50

May also be available: T-Mobile.

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