Middlesex County and Cambridge City property record for 7 Willard St, Cambridge, MA 02138
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 2,745 sqft · built 1873 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,329,500 (Jan 2004) |
| Tax Bill | $18,171 (2025) |
| Deeds & Mortgages | Mar 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 220-158 |
| Primary APN | 220-158 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 3 Stories |
| Building Area | 2,745 sqft Living Area |
| Gross Area | 4,218 sqft |
| 1st Floor Area | 1,336 sqft |
| Basement Area | 612 sqft |
| Unfinished Basement | 612 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Central Vacuum | Central Vacuum |
| Year Built | Built 1873 |
|---|---|
| Effective Year Built | Effective 1873 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,500 sqft (0.103 acres) |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 7 WILLARD ST |
|---|---|
| City | CAMBRIDGE |
| State | MA |
| Zip | 02138-4836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-2 |
| Legal Subdivision | MARY KATE MULHALL |
| Legal Lot Number | 158 |
| Jurisdiction | CAMBRIDGE MA |
| Township / Civil Division | CAMBRIDGE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 354100 |
7 Willard St is owned and occupied by two individuals who bought it in January 2004.
Source: Middlesex County and Cambridge City records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7 WILLARD ST, CAMBRIDGE, MA 02138-4836 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2004 · Amount on File |
| Deed Sale | Jan 16, 2004 · Amount on File |
| Deed Document Number | 200412298 |
| Deed Book / Page | 1793 / 558 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMBRIDGE MA |
| Property Address | 7 WILLARD ST, CAMBRIDGE, MA 02138-4836 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74337-100 |
|---|---|
| Date | Mar 24, 2020 |
| Book Page | 74337/100 |
| Instrument | 43193 |
| Name | CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2040 |
The 2025 property tax bill for 7 Willard St was $18,171, up 9.8% from the year before.
Source: Middlesex County and Cambridge City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Cambridge City |
| Unified School District | Cambridge School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,171.00 (+9.75%) | $2,861,600 (+2.32%) Land $1,607,000 Building $1,254,600 | $3,049,215 (+7.83%) |
| 2024 | $16,556.00 (+8.49%) | $2,796,700 (+7.4%) Land $1,573,400 Building $1,223,300 | $2,827,675 |
| 2023 | $15,260.00 | $2,604,100 Land $1,539,800 Building $1,064,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Willard St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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 | 9 in force |
| Nearby Flood Claims | 3 (1978–2018) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Dec 2018 · 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.
The area around 7 Willard St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 552 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Starry, Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures