Middlesex County and Cambridge City property record for 4 Jay St, Cambridge, MA 02139
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,663 sqft · built 1873 |
| Lot Size | 0.115 acres (4,999 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,000,000 (May 2026) |
| Tax Bill | $8,969 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 125-35 |
| Primary APN | 125-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,663 sqft Living Area |
| Gross Area | 2,971 sqft |
| 1st Floor Area | 800 sqft |
| Attic | Attic |
| Attic Area | 690 sqft |
| Basement Area | 765 sqft |
| Unfinished Basement | 765 sqft |
| Year Built | Built 1873 |
|---|---|
| Effective Year Built | Effective 1873 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,999 sqft (0.115 acres) |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4 JAY ST |
|---|---|
| City | CAMBRIDGE |
| State | MA |
| Zip | 02139-3705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C-1 |
| Legal Lot Number | 35 |
| Jurisdiction | CAMBRIDGE MA |
| Township / Civil Division | CAMBRIDGE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 359400 |
Source: Middlesex County and Cambridge City records, as of October 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4 JAY ST, CAMBRIDGE, MA 02139-3705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 21, 2026 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| May 5, 2026 | Quit Claim Deed, Transfer · ARM TD BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on Record |
| Deed Sale | May 5, 2026 · Amount on Record |
| Prior Sale | Oct 16, 1992 · Amount on Record |
| Deed Document Number | 202650735 |
| Deed Book / Page | 85554 / 402 |
| Prior Transfer Date | Jun 5, 2024 |
| Prior Transfer Doc | 082861-227 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMBRIDGE MA |
| Property Address | 4 JAY ST, CAMBRIDGE, MA 02139-3705 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085142-579 |
|---|---|
| Date | Jan 21, 2026 |
| Book Page | 85142/579 |
| Instrument | 7159 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAMBRIDGE MA |
| Recording Date | May 5, 2026 |
| Property Address | 4 JAY ST, CAMBRIDGE, MA 02139-3705 |
| Document Number | 085554-402 |
| Book / Page | 85554 / 402 |
| Instrument Date | May 1, 2026 |
| Instrument | 202650735 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4 JAY ST, CAMBRIDGE, MA 02139-3705 |
| Date | May 5, 2026 |
|---|
| Name | TD BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Type Change Date | Jun 1, 2029 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
Source: Middlesex County and Cambridge City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Cambridge City |
| Unified School District | Cambridge School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,969.00 (+5.31%) | $1,412,500 (-1.82%) Land $1,013,700 Building $398,800 | $1,899,240 (+33.9%) |
| 2024 | $8,517.00 (+3.21%) | $1,438,700 (+2.17%) Land $1,056,900 Building $381,800 | $1,418,445 |
| 2023 | $8,252.00 | $1,408,200 Land $1,076,600 Building $331,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CAMBRIDGE WATER DEPARTMENT serves 118,214 people · EPA ID MA3049000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | 8 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 910 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Starry.
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