46 Gorham St, Cambridge, MA 02138 Property Records

Middlesex County and Cambridge City property record for 46 Gorham St, Cambridge, MA 02138

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,439 sqft · built 1902
Lot Size	0.02 acres (882 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,150 (Dec 2020)
Tax Bill	$9,453 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`149-139`

Property Details

APN / Parcel Number

Primary APN	`149-139`
Alternative APN	`CAMB M:00149 L:00139`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,439 sqft Living Area
Gross Area	2,008 sqft
1st Floor Area	489 sqft
Basement Area	434 sqft
Unfinished Basement	185 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Slate
Lot Area	882 sqft (0.02 acres)
Garage Type	Covered
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	46 GORHAM ST
City	CAMBRIDGE
State	MA
Zip	02138-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-1
Legal Subdivision	CAMBRIDGE
Legal Lot Number	139
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1014
Census Tract	353600

Owner

Source: Middlesex County and Cambridge City records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	46 GORHAM ST, CAMBRIDGE, MA 02138-1905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 28, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC
Mar 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Jul 11, 2008 · Amount on Record
Deed Book / Page	76503 / 433
Prior Transfer Date	Dec 14, 2020
Prior Transfer Doc	76503-433
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	46 GORHAM ST, CAMBRIDGE, MA 02138-1905
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079533-287
Date	Jan 14, 2022
Book Page	79533/287
Instrument	7694

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Oct 28, 2020
Property Address	46 GORHAM ST, CAMBRIDGE, MA 02138-1905
Document Number	76009-203
Book / Page	76009 / 203
Instrument Date	Oct 27, 2020
Instrument	198356
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5 ORCHARD LN, WAYLAND, MA 01778-1907

Mortgage

Document Number	76009-208
Date	Oct 28, 2020
Book Page	76009/208
Instrument	198357

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Mar 19, 2019
Property Address	46 GORHAM ST, CAMBRIDGE, MA 02138-1905
Document Number	72348-43
Book / Page	072348 / 000043
Instrument Date	Mar 5, 2019
Instrument	33373
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 ORCHARD LN WAYLAND MA 017781907, WAYLAND, MA 01778-1907

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,453.00 (+5.22%)	$1,488,600 (-1.91%) Land $660,900 Building $827,700	$1,458,725 (-9.72%)
2024	$8,984.00 (+8.74%)	$1,517,600 (+7.64%) Land $725,400 Building $792,200	$1,615,760
2023	$8,262.00	$1,409,900 Land $720,900 Building $689,000

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	8 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.

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	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 782 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Starry.

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