Middlesex County and Cambridge City property record for 40 Pearl St, Cambridge, MA 02139
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 2,403 sqft · built 1902 |
| Lot Size | 0.034 acres (1,500 sqft) |
| Owner | Company Name on File |
| Tax Bill | $9,462 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 93-51 |
| Primary APN | 93-51 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,403 sqft Living Area |
| Gross Area | 3,416 sqft |
| 1st Floor Area | 801 sqft |
| Basement Area | 721 sqft |
| Unfinished Basement | 721 sqft |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Mansard |
| Roof Material | Tar & Gravel |
| Lot Area | 1,500 sqft (0.034 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Street Address | 40 PEARL ST |
|---|---|
| City | CAMBRIDGE |
| State | MA |
| Zip | 02139-4041 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | C-2A |
| Legal Lot Number | 51 |
| Jurisdiction | CAMBRIDGE MA |
| Township / Civil Division | CAMBRIDGE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 353101 |
40 Pearl St, a duplex, is owned by a company that acquired it in March 2012.
Source: Middlesex County and Cambridge City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 75 HENRY ST, CAMBRIDGE, MA 02139-4820 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2012 |
| Deed Sale | Mar 30, 2012 |
| Prior Sale | Feb 28, 2012 · Amount on File |
| Deed Book / Page | 58789 / 548 |
| Transfer Doc | 058575-342 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMBRIDGE MA |
| Property Address | 40 PEARL ST, CAMBRIDGE, MA 02139-4041 |
| Document Number | 71358-231 |
| Instrument Date | Jul 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 75 HENRY ST CAMBRIDGE MA 021394820, CAMBRIDGE, MA 02139-4820 |
| Document Number | 71358-231 |
|---|---|
| Date | Jul 23, 2018 |
| Book Page | 071358/000231 |
| Instrument | 110177 |
| Name | WINTER HILL FSB |
|---|---|
| Type | Federal Savings Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 40 Pearl St was $9,462, up 3.6% from the year before.
Source: Middlesex County and Cambridge City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Cambridge City |
| Unified School District | Cambridge School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,462.00 (+3.61%) | $1,490,100 (-3.4%) Land $781,000 Building $709,100 | $1,692,375 |
| 2024 | $9,132.00 (+7.36%) | $1,542,500 (+6.27%) Land $847,400 Building $695,100 | |
| 2023 | $8,506.00 | $1,451,500 Land $838,900 Building $612,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Pearl 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.
The area around 40 Pearl 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 910 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 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Starry.
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