Middlesex County and Cambridge City property record for 441 Franklin St, Cambridge, MA 02139
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 1,837 sqft · built 1886 |
| Lot Size | 0.081 acres (3,543 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,925,000 (Jun 2022) |
| Tax Bill | $12,165 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Dec 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 119-73 |
| Primary APN | 119-73 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,837 sqft Living Area |
| Gross Area | 3,502 sqft |
| 1st Floor Area | 990 sqft |
| Attic | Attic |
| Attic Area | 660 sqft |
| Basement Area | 990 sqft |
| Unfinished Basement | 990 sqft |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,543 sqft (0.081 acres) |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 441 FRANKLIN ST |
|---|---|
| City | CAMBRIDGE |
| State | MA |
| Zip | 02139-3168 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C-1 |
| Legal Subdivision | CITY CAMBRIDGE |
| Legal Lot Number | 73 |
| Jurisdiction | CAMBRIDGE MA |
| Township / Civil Division | CAMBRIDGE |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 359400 |
Source: Middlesex County and Cambridge City 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 | 441 FRANKLIN ST, CAMBRIDGE, MA 02139-3168 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 6, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE |
| Dec 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON TRUST MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2022 · Amount on Record |
| Deed Sale | Jun 6, 2022 · Amount on Record |
| Prior Sale | Dec 3, 2007 · Amount on Record |
| Deed Document Number | 202284751 |
| Deed Book / Page | 80234 / 346 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAMBRIDGE MA |
| Recording Date | Jun 6, 2022 |
| Property Address | 441 FRANKLIN ST, CAMBRIDGE, MA 02139-3168 |
| Document Number | 080234-346 |
| Book / Page | 80234 / 346 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 84751 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 441 FRANKLIN ST, CAMBRIDGE, MA 02139-3168 |
| Document Number | 0000084752 |
|---|---|
| Date | Jun 6, 2022 |
| Instrument | 84752 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Jul 1, 2032 |
| Max Rate At Change | 2.75% |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMBRIDGE MA |
| Property Address | 441 FRANKLIN ST, CAMBRIDGE, MA 02139-3168 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76307-300 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 76307/300 |
| Instrument | 226655 |
| Name | WASHINGTON TRUST MORTGAGE CO |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
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 | $12,165.00 (+7.57%) | $1,915,700 (+0.28%) Land $891,000 Building $1,024,700 | $2,288,835 (+3%) |
| 2024 | $11,309.00 (+10.69%) | $1,910,300 (+9.57%) Land $929,000 Building $981,300 | $2,222,145 |
| 2023 | $10,217.00 | $1,743,500 Land $946,300 Building $797,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 3 in force |
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.
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 536 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 |
| Starry Fixed Wireless | 500 / 200 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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