40 Otis St, Somerville, MA 02145 Property Records

Middlesex County and Somerville City property record for 40 Otis St, Somerville, MA 02145

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 2,359 sqft · built 1890
Lot Size	0.084 acres (3,650 sqft)
Owner	Individual Name on File
Last Sale	$760,000 (Dec 2019)
Tax Bill	$9,919 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`90-H-2`

Property Details

APN / Parcel Number

Primary APN	`90-H-2`
Alternative APNs	`SOME M:90 B:H L:2` `4172020`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,359 sqft Living Area
Gross Area	3,658 sqft
Basement Area	940 sqft
Unfinished Basement	940 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,650 sqft (0.084 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4172020
Street Address	40 OTIS ST
City	SOMERVILLE
State	MA
Zip	02145-3116
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NR
Legal Subdivision	GS RUNEY & JOHN DOANE JR
Legal Block	H
Legal Lot Number	2
Jurisdiction	SOMERVILLE MA
Township / Civil Division	SOMERVILLE
Census Block Group	4
Census Block	4004
Census Tract	351403

Owner

40 Otis St, a duplex, is owned and occupied by an individual who bought it in December 2019.

Source: Middlesex County and Somerville City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	40 OTIS ST, SOMERVILLE, MA 02145-3116
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
Aug 4, 2021	Deed of Trust, Mortgage · Line of Credit MASS BAY CREDIT UNION
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Dec 16, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2019 · Amount on File
Deed Sale	Dec 16, 2019 · Amount on File
Prior Sale	Aug 31, 2010 · Amount on File
Deed Document Number	20198232
Deed Book / Page	73826 / 17
Prior Transfer Date	Dec 12, 2019
Prior Transfer Doc	73826-17
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERVILLE MA
Property Address	40 OTIS ST, SOMERVILLE, MA 02145-3116
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078405-553
Date	Aug 4, 2021
Book Page	78405/553
Instrument	175506

Lender

Name	MASS BAY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERVILLE MA
Property Address	40 OTIS ST, SOMERVILLE, MA 02145-3116
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076871-468
Date	Feb 3, 2021
Book Page	76871/468
Instrument	24907

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

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

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOMERVILLE MA
Recording Date	Dec 16, 2019
Property Address	40 OTIS ST, SOMERVILLE, MA 02145-3116
Document Number	0073826-17
Book / Page	73826 / 17
Instrument Date	Dec 12, 2019
Instrument	198232
Transaction Type	Transfer
Record Updated	May 10, 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 OTIS ST, SOMERVILLE, MA 02145-3116

Mortgage

Document Number	0000198233
Date	Dec 16, 2019
Instrument	198233

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 40 Otis St was $9,919, up 4.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,919.00 (+4.28%)	$903,400 (+3.61%) Land $422,700 Building $480,700	$1,057,806
2025	$9,512.00 (+6.94%)	$871,900 (+3.12%) Land $402,500 Building $469,400
2024	$8,895.00 (+2.67%)	$845,500 (+0.91%) Land $402,500 Building $443,000
2023	$8,664.00	$837,900 Land $402,500 Building $435,400

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

Flood

FEMA maps place 40 Otis 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 40 Otis 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	SOMERVILLE WATER DEPT. (MWRA) serves 81,045 people · EPA ID MA3274000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2019
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 1,104 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
Astound Broadband Cable	1,500 / 50
Netafy Fixed Wireless	641 / 143
AT&T Fixed Wireless	100 / 20

May also be available: Starry, T-Mobile, Verizon.

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