5 Union Wharf, Boston, MA 02109 Property Records

Suffolk County and Boston City property record for 5 Union Wharf, Boston, MA 02109

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,311 sqft · built 1855
Lot Size	0.053 acres (2,311 sqft)
Owner	Individual Name on File
Last Sale	$2,235,000 (Feb 2017)
Tax Bill	$32,681 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Oct 2024 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`CBOS W:03 P:03038 S:209`

Property Details

APN / Parcel Number

Primary APN	`CBOS W:03 P:03038 S:209`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,311 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1855
Effective Year Built	Effective 2018
Architectural Style	Other
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,311 sqft (0.053 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	5 UNION WHARF
City	BOSTON
State	MA
Zip	02109-1202
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CD
Jurisdiction	BOSTON MA
Township / Civil Division	BOSTON
Census Block Group	1
Census Block	1010
Census Tract	30500

Owner

5 Union Wharf, a condominium, is owned and occupied by an individual who bought it in February 2017.

Source: Suffolk County and Boston City records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	5 UNION WHARF, BOSTON, MA 02109-1202
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Oct 21, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance EVERETT COOPERATIVE BANK
Jun 5, 2018	Deed of Trust, Mortgage · Closed-End Mortgage FIRST REPUBLIC BANK
Feb 1, 2017	Quit Claim Deed, Transfer · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2017 · Amount on File
Deed Sale	Feb 1, 2017 · Amount on File
Prior Sale	Jun 24, 2014
Deed Book / Page	57512 / 84
Transfer Doc	0057512-84
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOSTON MA
Property Address	5 UNION WHARF, BOSTON, MA 02109-1202
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068184-20
Date	Sep 8, 2022
Book Page	68184/20
Instrument	77163

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.7%
Type Change Date	Dec 1, 2027
Index	1-Year CMT

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOSTON MA
Property Address	5 UNION WHARF, BOSTON, MA 02109-1202
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070711-331
Date	Oct 21, 2024
Book Page	70711/331
Instrument	64936

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOSTON MA
Property Address	5 UNION WHARF, BOSTON, MA 02109-1202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59682-244
Date	Jun 5, 2018
Book Page	59682/244
Instrument	47392

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 1, 2043

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOSTON MA
Recording Date	Feb 1, 2017
Property Address	5 UNION WHARF, BOSTON, MA 02109-1202
Document Number	57512-84
Book / Page	57512 / 84
Instrument	10532
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.24
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	575120087
Date	Feb 1, 2017
Instrument	57512/0087

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.95%
Max Rate At Change	40.1%
Max Rate	2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 5 Union Wharf was $32,681, up 6.7% from the year before.

Source: Suffolk County and Boston City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Boston City
Unified School District	Boston School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$32,681.00 (+6.69%)	$2,822,200 (+0.42%) Building $2,822,200	$3,943,070 (+3.35%)
2024	$30,632.00 (+2.51%)	$2,810,300 (+1%) Building $2,810,300	$3,815,200
2023	$29,883.00	$2,782,400 Building $2,782,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5 Union Wharf in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 15 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	230 units insured incl. 215 condo units
Nearby Flood Claims	11 (1991–2018)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Jan 2018 · 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

The area around 5 Union Wharf has no burnable land within ember reach, so its wildfire risk is not rated.

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	BOSTON WATER AND SEWER COMMISSION (MWRA) serves 675,647 people · EPA ID MA3035000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 2026
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2020
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 917 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
Starry Fixed Wireless · Fiber in parts of the area	800 / 250
Netafy Fixed Wireless	500 / 150
T-Mobile Fixed Wireless	100 / 20

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

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