40 Stone Rd, Belmont, MA 02478 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,246 sqft · built 1920
Lot Size	0.246 acres (10,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,000,000 (Jun 2025)
Tax Bill	$20,046 (2025)
Deeds & Mortgages	Mar 2021 Refinance May 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:23 P:000029 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:23 P:000029 S`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,246 sqft Living Area
1st Floor Area	814 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	10,700 sqft (0.246 acres)
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	40 STONE RD
City	BELMONT
State	MA
Zip	02478-3521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1010
Census Tract	357200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 STONE RD, BELMONT, MA 02478-3521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
May 13, 2025	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Jun 26, 2025	Quit Claim Deed, Transfer
Apr 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 1, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2025 · Amount on Record
Deed Sale	Jun 26, 2025 · Amount on Record
Prior Sale	Jan 23, 2018 · Amount on Record
Deed Book / Page	84276 / 477
Prior Transfer Date	Jun 19, 2025
Prior Transfer Doc	084276-477
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	40 STONE RD, BELMONT, MA 02478-3521
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077185-226
Date	Mar 10, 2021
Book Page	77185/226
Instrument	53265

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	40 STONE RD, BELMONT, MA 02478-3521
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084079-548
Date	May 13, 2025
Book Page	84079/548
Instrument	51264

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Jun 26, 2025
Property Address	40 STONE RD, BELMONT, MA 02478-3521
Document Number	084276-477
Book / Page	84276 / 477
Instrument Date	Jun 19, 2025
Instrument	72952
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	40 STONE RD, BELMONT, MA 02478-3521
Investor	Possibly a Property Investor

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Apr 2, 2019
Property Address	40 STONE RD, BELMONT, MA 02478-3521
Document Number	72409-397
Book / Page	072409 / 000397
Instrument Date	Apr 1, 2019
Instrument	40717
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 STONE RD BELMONT MA 024783521, BELMONT, MA 02478-3521

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELMONT MA
Recording Date	Mar 1, 2019
Property Address	40 STONE RD, BELMONT, MA 02478-3521
Document Number	72286-413
Book / Page	072286 / 000413
Instrument Date	Feb 25, 2019
Instrument	25800
Transaction Type	Transfer
Record Updated	Mar 25, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 STONE RD BELMONT MA 024783521, BELMONT, MA 02478-3521

Tax Assessment & Valuation

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	$20,046.00 (+18.34%)	$1,760,000 (+16.79%) Land $1,048,000 Building $712,000	$1,887,745 (+0.74%)
2024			$1,873,875
2023	$16,939.00	$1,507,000 Land $996,000 Building $511,000

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

Flood

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	14 (1979–2010)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 2 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims

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

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 584 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, Starry.

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