40 Payson Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 40 Payson Rd, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,685 sqft · built 1935
Lot Size	0.276 acres (12,040 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Jan 2015)
Tax Bill	$20,832 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Nov 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BELM M:06 P:000164 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:06 P:000164 S`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,685 sqft Living Area
Gross Area	2,939 sqft
1st Floor Area	1,026 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,040 sqft (0.276 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	40 PAYSON RD
City	BELMONT
State	MA
Zip	02478-2718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1007
Census Tract	357500

Owner

40 Payson Rd is owned and occupied by two individuals who bought it in January 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 PAYSON RD, BELMONT, MA 02478-2718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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 27, 2017	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Nov 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2015 · Amount on File
Deed Sale	Jan 8, 2015 · Amount on File
Deed Book / Page	64772 / 161
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	40 PAYSON RD, BELMONT, MA 02478-2718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70285-199
Date	Nov 27, 2017
Book Page	70285/199
Instrument	191340

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.38%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	40 PAYSON RD, BELMONT, MA 02478-2718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76072-1
Date	Nov 3, 2020
Book Page	76072/1
Instrument	204185

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 40 Payson Rd was $20,832.

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	$20,832.00	$1,829,000 Land $827,000 Building $1,002,000	$1,867,985 (+10.58%)
2024			$1,689,290
2023	$18,096.00	$1,610,000 Land $875,000 Building $735,000

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

Flood

FEMA maps place 40 Payson Rd 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 Payson Rd 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 620 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
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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