40 Common St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 40 Common St, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,473 sqft · built 2011
Lot Size	0.938 acres (40,849 sqft)
Owner	2 Trust Names on File
Last Sale	$2,125,000 (Jul 2011)
Tax Bill	$48,704 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`BELM M:24 P:000060 S:D`

Property Details

APN / Parcel Number

Primary APN	`BELM M:24 P:000060 S:D`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,473 sqft Living Area
1st Floor Area	1,754 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	40,849 sqft (0.938 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	40 COMMON ST
City	BELMONT
State	MA
Zip	02478-3042
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Legal Subdivision	BELMONT
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	2
Census Block	2005
Census Tract	357200

Owner

40 Common St is owner-occupied and held in a trust since March 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	40 COMMON ST, BELMONT, MA 02478-3042
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Nov 4, 2021	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Jun 5, 2019	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2011 · Amount on File
Deed Sale	Jul 20, 2011 · Amount on File
Last Transfer Date	Mar 17, 2025
Transfer Doc	083866-463
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	40 COMMON ST, BELMONT, MA 02478-3042
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	79076-78
Date	Nov 4, 2021
Book Page	79076/78
Instrument	242134

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 1, 2031
Index	1-Year CMT

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	40 COMMON ST, BELMONT, MA 02478-3042
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72715-165
Date	Jun 5, 2019
Book Page	72715/165
Instrument	75675

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 40 Common St was $48,704.

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	$48,704.00	$4,276,000 Land $1,245,000 Building $3,031,000	$3,365,565 (-0.9%)
2024			$3,395,965
2023	$37,789.00	$3,362,000 Land $1,183,000 Building $2,179,000

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

Flood

FEMA maps place 40 Common St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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.

Wildfire

Wildfire risk around 40 Common St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 419 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: AT&T.

Nearby Properties on Common St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures