40 May St, Cambridge, MA 02138 Property Records

Middlesex County and Cambridge City property record for 40 May St, Cambridge, MA 02138

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 930 sqft · built 1989
Lot Size	0.099 acres (4,317 sqft)
Owner	Individual Name on File
Last Sale	$765,000 (Mar 2022)
Tax Bill	$4,695 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`257-52-40`

Property Details

APN / Parcel Number

Primary APN	`257-52-40`
Alternative APN	`CAMB M:00257 L:0005200040`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	3 Stories
Building Area	930 sqft Living Area
1st Floor Area	930 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Other
Lot Area	4,317 sqft
Parking Spaces	1 Parking Space
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Coal

Location & Zoning

Street Address	40 MAY ST
City	CAMBRIDGE
State	MA
Zip	02138-4425
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	C1
Legal Lot Number	5200040
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1000
Census Tract	354300

Owner

40 May St, a condominium, is owned and occupied by an individual who bought it in March 2022.

Source: Middlesex County and Cambridge City records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	40 MAY ST, CAMBRIDGE, MA 02138-4425
Occupancy	Owner Occupied
Owner Type	Individual

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 29, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK
Apr 23, 2018	Deed of Trust, Mortgage HANSCOM FCU
Dec 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2022 · Amount on File
Deed Sale	Mar 29, 2022 · Amount on File
Prior Sale	Jun 20, 2013 · Amount on File
Deed Document Number	202246805
Deed Book / Page	79894 / 31
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Mar 29, 2022
Property Address	40 MAY ST, CAMBRIDGE, MA 02138-4425
Document Number	0079894-31
Book / Page	79894 / 31
Instrument Date	Mar 29, 2022
Instrument	46805
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	40 MAY ST # 40, 40, CAMBRIDGE, MA 02138-4425

Mortgage

Document Number	0000046806
Date	Mar 29, 2022
Instrument	46806

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Apr 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	40 MAY ST, CAMBRIDGE, MA 02138-4425
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70904-427
Date	Apr 23, 2018
Book Page	70904/427
Instrument	55040

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	40 MAY ST, CAMBRIDGE, MA 02138-4425
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76409-109
Date	Dec 14, 2020
Book Page	76409/109
Instrument	236587

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 40 May St was $4,695, up 11.7% from the year before.

Source: Middlesex County and Cambridge City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Cambridge City
Unified School District	Cambridge School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,695.00 (+11.71%)	$739,400 (+4.16%) Building $739,400	$932,425 (+8.42%)
2024	$4,203.00 (+1%)	$709,900 (+8.88%) Building $709,900	$860,035
2023	$3,821.00	$652,000 Building $652,000

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

Flood

FEMA maps place 40 May St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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	2 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2023 · rainfall accumulation

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 May 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 99.1% of the US · lower than 98.7% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Starry.

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