Middlesex County and Belmont Town property record for 45 Hay Rd, Belmont, MA 02478
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,037 sqft · built 1938 |
| Lot Size | 0.532 acres (23,157 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $25,992 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | BELM M:58 P:000017 S |
| Primary APN | BELM M:58 P:000017 S |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,037 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 23,157 sqft (0.532 acres) |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 HAY RD |
|---|---|
| City | BELMONT |
| State | MA |
| Zip | 02478-1507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SA |
| Jurisdiction | BELMONT MA |
| Township / Civil Division | BELMONT |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 357700 |
45 Hay Rd is owned and occupied by an individual.
Source: Middlesex County and Belmont Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 HAY RD, BELMONT, MA 02478-1507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 45 Hay Rd was $25,992.
Source: Middlesex County and Belmont Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Belmont Town |
| Unified School District | Belmont School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $25,992.00 | $2,282,000 Land $1,271,000 Building $1,011,000 | $1,984,930 (-14.68%) |
| 2024 | $2,326,455 | ||
| 2023 | $22,975.00 | $2,044,000 Land $1,208,000 Building $836,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Hay Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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 | 5 in force |
| Nearby Flood Claims | 2 (1996–2019) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 2019 · rainfall accumulation |
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 risk around 45 Hay Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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