4 Worcester St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 4 Worcester St, Belmont, MA 02478

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 2,442 sqft · built 1900
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$695,000 (Jul 2025)
Tax Bill	$16,584 (2025)
Deeds & Mortgages	Mar 2021 Refinance Jul 2025 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:02 P:000115 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:02 P:000115 S`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,442 sqft Living Area
1st Floor Area	995 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	4,000 sqft (0.092 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	4 WORCESTER ST
City	BELMONT
State	MA
Zip	02478-3756
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	3
Census Block	3009
Census Tract	357300

Owner

4 Worcester St, a duplex, is owned by an individual who bought it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4 WORCESTER ST, 1, BELMONT, MA 02478-3756
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVEO CREDIT UNION
Jul 31, 2025	Condominium Deed, Transfer
Mar 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVEO CREDIT UNION
Jun 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVEO CU
Aug 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVEO CU
Apr 21, 2017	Quit Claim Deed, Transfer NAVEO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2025 · Amount on File
Deed Sale	Jul 31, 2025 · Amount on File
Prior Sale	Apr 21, 2017 · Amount on File
Prior Transfer Date	Oct 11, 2024
Prior Transfer Doc	0001966272
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	4 WORCESTER ST, BELMONT, MA 02478-3756
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001871732
Date	Mar 3, 2021
Instrument	1871732

Lender

Name	NAVEO CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2025: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	BELMONT MA
Recording Date	Jul 31, 2025
Property Address	4 WORCESTER ST, BELMONT, MA 02478-3756
Document Number	0001982251
Instrument Date	Jul 29, 2025
Instrument	1982251
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WORCESTER ST # 1, 1, BELMONT, MA 02478-3756

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	4 WORCESTER ST, BELMONT, MA 02478-3756
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1871732
Date	Mar 3, 2021
Instrument	1871732

Lender

Name	NAVEO CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	4 WORCESTER ST, BELMONT, MA 02478-3756
Document Number	0000016720
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WORCESTER ST BELMONT MA 024783756, BELMONT, MA 02478-3756

Mortgage

Document Number	0000016720
Date	Jun 27, 2019
Instrument	16720

Lender

Name	NAVEO CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 26, 2034

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	4 WORCESTER ST, BELMONT, MA 02478-3756
Document Number	0000067599
Instrument Date	Aug 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067599
Date	Aug 11, 2017
Instrument	67599

Lender

Name	NAVEO CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 10, 2027

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Apr 21, 2017
Property Address	4 WORCESTER ST, BELMONT, MA 02478-3756
Document Number	0001758518
Instrument Date	Apr 17, 2017
Instrument	1758518
Transaction Type	Transfer
Record Updated	May 9, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,788.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WORCESTER ST BELMONT MA 024783756, BELMONT, MA 02478-3756

Mortgage

Document Number	1758519
Date	Apr 21, 2017
Instrument	1758519

Lender

Name	NAVEO CU

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2047

Interest

Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 4 Worcester St was $16,584.

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	$16,584.00	$1,456,000 Land $697,000 Building $759,000	$1,359,429
2023	$14,398.00	$1,281,000 Land $902,000 Building $379,000

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

Flood

FEMA maps place 4 Worcester St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 4 Worcester St has no burnable land within ember reach, so its wildfire risk is not rated.

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 1,030 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 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T, Starry.

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