540 Huron Ave, Cambridge, MA 02138 Property Records

Middlesex County and Cambridge City property record for 540 Huron Ave, Cambridge, MA 02138

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,628 sqft · built 1923
Lot Size	0.126 acres (5,510 sqft)
Owner	2 Individual Names on File
Last Sale	$1,950,000 (May 2021)
Tax Bill	$13,813 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`251-48`

Property Details

APN / Parcel Number

Primary APN	`251-48`
Alternative APN	`CAMB M:00251 L:00048`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,628 sqft Living Area
Gross Area	4,021 sqft
1st Floor Area	1,314 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Central Vacuum	Central Vacuum

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,510 sqft (0.126 acres)
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	540 HURON AVE
City	CAMBRIDGE
State	MA
Zip	02138-4609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Subdivision	LARCHWOOD
Legal Lot Number	48
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1006
Census Tract	354200

Owner

540 Huron Ave is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	540 HURON AVE, CAMBRIDGE, MA 02138-4609
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
May 21, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Nov 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2021 · Amount on File
Deed Sale	May 21, 2021 · Amount on File
Prior Sale	Aug 29, 1997 · Amount on File
Deed Document Number	2021116192
Deed Book / Page	77834 / 311
Record Updated	Oct 29, 2026

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	May 21, 2021
Property Address	540 HURON AVE, CAMBRIDGE, MA 02138-4609
Document Number	77834-311
Book / Page	77834 / 311
Instrument Date	May 21, 2021
Instrument	116192
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	540 HURON AVE, CAMBRIDGE, MA 02138-4609

Mortgage

Document Number	116193
Date	May 21, 2021
Instrument	116193

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	540 HURON AVE, CAMBRIDGE, MA 02138-4609
Document Number	73627-51
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	540 HURON AVE CAMBRIDGE MA 021384609, CAMBRIDGE, MA 02138-4609

Mortgage

Document Number	73627-51
Date	Nov 12, 2019
Book Page	073627/000051
Instrument	175912

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 540 Huron Ave was $13,813, up 10.6% from the year before.

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	$13,813.00 (+10.6%)	$2,175,200 (+3.1%) Land $823,200 Building $1,352,000	$2,391,910 (-2.73%)
2024	$12,489.00 (+9.79%)	$2,109,700 (+8.68%) Land $815,200 Building $1,294,500	$2,458,980
2023	$11,375.00	$1,941,200 Land $831,100 Building $1,110,100

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

Flood

FEMA maps place 540 Huron Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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	5 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2015 · other causes

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 540 Huron Ave 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	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 797 locations within half a mile, as of December 31, 2025

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

May also be available: Starry.

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