7 Prospect St, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 7 Prospect St, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1922
Lot Size	0.151 acres (6,563 sqft)
Owner	2 Individual Names on Record
Last Sale	$641,000 (May 2012)
Tax Bill	$14,966 (2025)
Deeds & Mortgages	May 2021 Refinance Dec 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BELM M:46 P:000103 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:46 P:000103 S`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
1st Floor Area	768 sqft
Basement Area	500 sqft
Unfinished Basement	500 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,563 sqft (0.151 acres)
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	7 PROSPECT ST
City	BELMONT
State	MA
Zip	02478-3326
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	1008
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	7 PROSPECT ST, BELMONT, MA 02478-3326
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADERONE FINANCIAL
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Mar 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI
Jan 27, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2012 · Amount on Record
Deed Sale	May 24, 2012 · Amount on Record
Prior Sale	Jul 2, 1993 · Amount on Record
Deed Book / Page	59158 / 319
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	7 PROSPECT ST, BELMONT, MA 02478-3326
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	077844-338
Date	May 24, 2021
Book Page	77844/338
Instrument	117281

Lender

Name	LEADERONE FINANCIAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	7 PROSPECT ST, BELMONT, MA 02478-3326
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	081008-144
Date	Dec 1, 2022
Book Page	81008/144
Instrument	175520

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	7 PROSPECT ST, BELMONT, MA 02478-3326
Document Number	70789-148
Instrument Date	Mar 23, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70789-148
Date	Mar 28, 2018
Book Page	070789/000148
Instrument	41187

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2048

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	7 PROSPECT ST, BELMONT, MA 02478-3326
Document Number	68900-569
Book / Page	068900 / 000569
Instrument Date	Jan 27, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68900-569
Date	Feb 16, 2017
Book Page	068900/000569
Instrument	25100

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$14,966.00 (+6.69%)	$1,314,000 (+5.29%) Land $710,000 Building $604,000	$1,367,050 (+10.52%)
2024			$1,236,900
2023	$14,028.00	$1,248,000 Land $812,000 Building $436,000

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.

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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