5 Stella Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 5 Stella Rd, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,099 sqft · built 1934
Lot Size	0.166 acres (7,251 sqft)
Owner	2 Individual Names on Record
Tax Bill	$16,584 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:47 P:000032 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:47 P:000032 S`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,099 sqft Living Area
1st Floor Area	825 sqft
Basement Area	400 sqft
Unfinished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	7,251 sqft (0.166 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	5 STELLA RD
City	BELMONT
State	MA
Zip	02478-3349
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	1012
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	2 Individual Names on Record
Mailing Address	5 STELLA RD, BELMONT, MA 02478-3349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage MORGAN STANLEY PRIVATE BANK
Jun 28, 2017	Deed of Trust, Mortgage · ARM CENTURY BANK & TRUST CO
Apr 12, 2019	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2006
Deed Sale	Mar 15, 2006
Prior Sale	Sep 8, 2004 · Amount on Record
Deed Document Number	20061405062
Deed Book / Page	1316 / 145
Transfer Doc	1316-145
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	5 STELLA RD, BELMONT, MA 02478-3349
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084789-355
Date	Oct 27, 2025
Book Page	84789/355
Instrument	130381

Lender

Name	MORGAN STANLEY PRIVATE BANK

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.9%
Type Change Date	Nov 1, 2032
Index	Other
Margin	3

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	5 STELLA RD, BELMONT, MA 02478-3349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69516-321
Date	Jun 28, 2017
Book Page	69516/321
Instrument	99453

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.38%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	5 STELLA RD, BELMONT, MA 02478-3349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72449-116
Date	Apr 12, 2019
Book Page	72449/116
Instrument	45459

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2039

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	$16,584.00 (+18.89%)	$1,456,000 (+17.32%) Land $856,000 Building $600,000	$1,455,020 (+0.14%)
2024			$1,453,025
2023	$13,949.00	$1,241,000 Land $814,000 Building $427,000

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 727 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

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