48 Stone Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 48 Stone Rd, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,902 sqft · built 1920
Lot Size	0.241 acres (10,481 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,499,000 (Jun 2024)
Tax Bill	$26,094 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:23 P:000031 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:23 P:000031 S`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	13 Rooms
Stories	3 Stories
Building Area	2,902 sqft Living Area
1st Floor Area	912 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,481 sqft (0.241 acres)
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	48 STONE RD
City	BELMONT
State	MA
Zip	02478-3521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1010
Census Tract	357200

Owner

Source: Middlesex County and Belmont Town 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	448 STONE RD, BELMONT, MA 02478
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage
Mar 1, 2021	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Sep 9, 2024	Deed of Trust, Mortgage · ARM US BANK NA
Feb 23, 2026	Deed of Trust, Mortgage UNITED NATIONS FCU
Apr 3, 2019	Deed of Trust, Mortgage · Balloon Mortgage DIRECT CU
Jul 10, 2020	Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2024 · Amount on Record
Deed Sale	Jun 4, 2024 · Amount on Record
Prior Sale	Oct 30, 2012 · Amount on Record
Deed Document Number	202458489
Deed Book / Page	82846 / 265
Transfer Doc	060357-328
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Recording Date	Jun 24, 2026
Property Address	48 STONE RD, BELMONT, MA 02478-3521
Document Number	0000075685
Book / Page	85776 / 472
Instrument Date	Jun 18, 2026
Instrument	202675685
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 STONE RD, BELMONT, MA 02478-3521

Mortgage

Document Number	0000075685,
Date	Jun 24, 2026
Book Page	85776/472
Instrument	202675685

Lender

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	48 STONE RD, BELMONT, MA 02478-3521
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077101-153
Date	Mar 1, 2021
Book Page	77101/153
Instrument	45629

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	541 Months
Due	Apr 1, 2066

Interest

Rate Type	Adjustable Rate

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	48 STONE RD, BELMONT, MA 02478-3521
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00083217-1
Date	Sep 9, 2024
Book Page	83217/1
Instrument	101640

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Oct 1, 2031
Index	Other

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	48 STONE RD, BELMONT, MA 02478-3521
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085256-340
Date	Feb 23, 2026
Book Page	85256/340
Instrument	19394

Lender

Name	UNITED NATIONS FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Mar 1, 2029
Index	Other

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	48 STONE RD, BELMONT, MA 02478-3521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72413-191
Date	Apr 3, 2019
Book Page	72413/191
Instrument	41111

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2039

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	48 STONE RD, BELMONT, MA 02478-3521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75079-358
Date	Jul 10, 2020
Book Page	75079/358
Instrument	110364

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

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	$26,094.00 (+22.25%)	$2,291,000 (+20.64%) Land $1,043,000 Building $1,248,000	$2,324,270 (+0.24%)
2024			$2,318,665
2023	$21,345.00	$1,899,000 Land $991,000 Building $908,000

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.

Nearby Properties on Stone Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures