46 Baker St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 46 Baker St, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,058 sqft · built 1870
Lot Size	0.133 acres (5,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$492,500 (Dec 2007)
Tax Bill	$11,413 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:22 P:000075 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:22 P:000075 S`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,058 sqft Living Area
1st Floor Area	630 sqft
Game Room	Game Room

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,800 sqft (0.133 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	46 BAKER ST
City	BELMONT
State	MA
Zip	02478-4025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1004
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	46 BAKER ST, BELMONT, MA 02478-4025
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Feb 28, 2017	Deed of Trust, Mortgage · Line of Credit BELMONT SAVINGS BANK
Feb 1, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2007 · Amount on Record
Deed Sale	Dec 31, 2007 · Amount on Record
Prior Sale	Oct 29, 1996 · Amount on Record
Deed Document Number	2007229954
Deed Book / Page	50540 / 524
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	46 BAKER ST, BELMONT, MA 02478-4025
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078237-526
Date	Jul 14, 2021
Book Page	78237/526
Instrument	158199

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	46 BAKER ST, BELMONT, MA 02478-4025
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76877-423
Date	Feb 3, 2021
Book Page	76877/423
Instrument	25425

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	46 BAKER ST, BELMONT, MA 02478-4025
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68944-318
Date	Feb 28, 2017
Book Page	68944/318
Instrument	30453

Lender

Name	BELMONT SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2037

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	46 BAKER ST, BELMONT, MA 02478-4025
Document Number	74214-152
Instrument Date	Feb 1, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 BAKER ST BELMONT MA 024784025, BELMONT, MA 02478-4025

Mortgage

Document Number	74214-152
Date	Feb 28, 2020
Book Page	074214/000152
Instrument	30931

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$11,413.00 (+11.83%)	$1,002,000 (+10.35%) Land $689,000 Building $313,000	$1,296,180 (+38.63%)
2024			$934,990
2023	$10,206.00	$908,000 Land $688,000 Building $220,000

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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