44 Bow St, Cambridge, MA 02138 Property Records

Middlesex County and Cambridge City property record for 44 Bow St, Cambridge, MA 02138

Property Summary

Property Type	Exempt (Full or Partial)
Details	4,753 sqft · built 1876
Lot Size	0.055 acres (2,376 sqft)
Owner	2 Trust Names on File
Deeds & Mortgages	Dec 2021 Refinance Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`160-61`

Property Details

APN / Parcel Number

Primary APN	`160-61`
Alternative APN	`CAMB M:00160 L:00061`

Interior

Units	3 Units
Stories	2 Stories
Building Area	4,753 sqft Total Area
Gross Area	9,263 sqft
1st Floor Area	2,336 sqft
Basement Area	2,255 sqft
Unfinished Basement	2,255 sqft

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Slate
Lot Area	2,376 sqft (0.055 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	44 BOW ST
City	CAMBRIDGE
State	MA
Zip	02138-5108
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	O-3
Legal Lot Number	61
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3001
Census Tract	353900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Harvard Square Historic District (Boundary Increase) listed 1988 · 108 contributing resources · NRIS 86003654
Individually Listed	Harvard Lampoon Building listed 1978 · 1 contributing resources · NRIS 78000440

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

44 Bow St is held in a trust.

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

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 380308, CAMBRIDGE, MA 02238-0308
Owner Type	Individual
Vesting	Trust

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
Dec 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE TRUST CO
Mar 5, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	44 BOW ST, CAMBRIDGE, MA 02138-5108
Transaction Type	Mortgage
Record Updated	Feb 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079397-546
Date	Dec 21, 2021
Book Page	79397/546
Instrument	274876

Lender

Name	CAMBRIDGE TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Mar 5, 2018
Property Address	44 BOW ST, CAMBRIDGE, MA 02138-5108
Document Number	70700-147
Book / Page	070700 / 000147
Instrument Date	Feb 20, 2018
Instrument	30191
Transaction Type	Transfer
Record Updated	Mar 27, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	44 BOW ST CAMBRIDGE MA 021385108, CAMBRIDGE, MA 02138-5108

Tax Assessment & Valuation

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	Assessed Value
2025	$8,470,600 (-2.33%) Land $676,700 Building $7,793,900
2024	$8,672,400 Land $878,500 Building $7,793,900

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 44 Bow 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 44 Bow 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	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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	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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