46 River St, Arlington, MA 02474 Property Records

Middlesex County and Arlington Town property record for 46 River St, Arlington, MA 02474

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,436 sqft · built 1919
Lot Size	0.092 acres (3,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Sep 2020)
Tax Bill	$11,799 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27170`

Property Details

APN / Parcel Number

Primary APN	`27170`
Alternative APN	`ARLI M:040.0 B:0005 L:0012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,436 sqft Living Area
Gross Area	4,329 sqft
Basement Area	1,218 sqft
Unfinished Basement	1,218 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1955
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	3,999 sqft (0.092 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	27170
Street Address	46 RIVER ST
City	ARLINGTON
State	MA
Zip	02474-3540
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Block	5
Legal Lot Number	12
Jurisdiction	ARLINGTON MA
Township / Civil Division	ARLINGTON
Census Block Group	4
Census Block	4007
Census Tract	356300

Owner

Source: Middlesex County and Arlington Town records, as of April 22, 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	6 RIVER ST, ARLINGTON, MA 02474-3519
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Line of Credit NEEDHAM BANK
May 2, 2017	Deed of Trust, Mortgage · ARM REVERSE MORTGAGE FUND
Sep 16, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TD BANK NA
Jul 27, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Deed Document Number	2020163354
Deed Book / Page	75633 / 192
Prior Transfer Date	Apr 13, 2020
Prior Transfer Doc	75216-10
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	46 RIVER ST, ARLINGTON, MA 02474-3540
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085400-341
Date	Mar 30, 2026
Book Page	85400/341
Instrument	34207

Lender

Name	NEEDHAM BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	46 RIVER ST, ARLINGTON, MA 02474-3540
Transaction Type	Mortgage
Record Updated	Jun 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069225-378
Date	May 2, 2017
Book Page	69225/378
Instrument	64662

Lender

Name	REVERSE MORTGAGE FUND

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.05%
Margin	13

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ARLINGTON MA
Recording Date	Sep 16, 2020
Property Address	46 RIVER ST, ARLINGTON, MA 02474-3540
Document Number	075633-192
Book / Page	75633 / 192
Instrument Date	Sep 16, 2020
Instrument	163354
Transaction Type	Transfer
Record Updated	Jun 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	22 LAUREL ST, SOMERVILLE, MA 02143-2800

Mortgage

Document Number	0000163355
Date	Sep 16, 2020
Instrument	163355

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ARLINGTON MA
Recording Date	Jul 27, 2020
Property Address	46 RIVER ST, ARLINGTON, MA 02474-3540
Document Number	75216-10
Book / Page	075216 / 000010
Instrument Date	Apr 13, 2020
Instrument	122869
Transaction Type	Transfer
Record Updated	Aug 18, 2020
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
Relationship	Personal Trust
Address	6 RIVER ST ARLINGTON MA 024743519, ARLINGTON, MA 02474-3519

Tax Assessment & Valuation

Source: Middlesex County and Arlington Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Arlington Town
Unified School District	Arlington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$11,799.00 (+8.2%)	$1,095,500 (+6.39%) Land $533,500 Building $562,000
2024	$10,905.00 (-1.44%)	$1,029,700 (+4.33%) Land $507,900 Building $521,800
2023	$11,064.00	$987,000 Land $425,800 Building $561,200

Assessed value is set for property tax purposes and is not a market price estimate.

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 Claims	2 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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	ARLINGTON WATER DEPT. (MWRA) serves 46,308 people · EPA ID MA3010000
Water Source	Purchased surface water from MWRA
Last State Inspection	Aug 2023
Lead	3 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	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 715 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
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Starry.

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