45 Rutledge Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 45 Rutledge Rd, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,405 sqft · built 1938
Lot Size	0.245 acres (10,654 sqft)
Owner	Individual Name on Record
Last Sale	$1,090,000 (Jul 2012)
Tax Bill	$24,534 (2025)
Deeds & Mortgages	May 2025 Mortgage Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:50 P:000015 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:50 P:000015 S`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,405 sqft Living Area
Gross Area	7,075 sqft
1st Floor Area	912 sqft
Basement Area	120 sqft
Unfinished Basement	120 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,654 sqft (0.245 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	45 RUTLEDGE RD
City	BELMONT
State	MA
Zip	02478-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SB
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1004
Census Tract	357100

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	Individual Name on Record
Mailing Address	45 RUTLEDGE RD, BELMONT, MA 02478-3322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SPRING EQ LLC
Mar 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BLUE WATER MORTGAGE CORPORATION
Sep 19, 2019	Deed of Trust, Mortgage · ARM NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2012 · Amount on Record
Deed Sale	Jul 25, 2012 · Amount on Record
Prior Sale	Jul 23, 2012 · Amount on Record
Deed Book / Page	59601 / 203
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	45 RUTLEDGE RD, BELMONT, MA 02478-3322
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084058-497
Date	May 7, 2025
Book Page	84058/497
Instrument	48901

Lender

Name	SPRING EQ LLC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2045

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	45 RUTLEDGE RD, BELMONT, MA 02478-3322
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077278-496
Date	Mar 22, 2021
Book Page	77278/496
Instrument	62251

Lender

Name	BLUE WATER MORTGAGE CORPORATION

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	45 RUTLEDGE RD, BELMONT, MA 02478-3322
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73305-256
Date	Sep 19, 2019
Book Page	73305/256
Instrument	142398

Lender

Name	NEWREZ LLC

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Oct 1, 2029

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	$24,534.00 (+14.4%)	$2,154,000 (+12.89%) Land $802,000 Building $1,352,000	$1,810,795 (-1.27%)
2024			$1,834,070
2023	$21,446.00	$1,908,000 Land $917,000 Building $991,000

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	2 in force
Nearby Flood Claims	3 (1978–2001)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 2001 · Severe Storms And Flooding

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 522 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 / 250
Astound Broadband Cable	1,500 / 50

May also be available: T-Mobile.

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