88 Pearl St, #1, Cambridge, MA 02139 Property Records

Middlesex County and Cambridge City property record for 88 Pearl St, #1, Cambridge, MA 02139

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,208 sqft · built 1820
Lot Size	0.061 acres (2,692 sqft)
Owner	Individual Name on File
Last Sale	$1,552,000 (Jun 2022)
Tax Bill	$7,809 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`93-2-1`

Property Details

APN / Parcel Number

Primary APN	`93-2-1`
Alternative APN	`CAMB M:00093 L:0000200001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,208 sqft Living Area
Gross Area	1,642 sqft
1st Floor Area	1,208 sqft
Basement Area	434 sqft
Unfinished Basement	434 sqft

Exterior

Year Built	Built 1820
Effective Year Built	Effective 1820
Architectural Style	Condo/Apartment
Lot Area	2,692 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	88 PEARL ST, 1
City	CAMBRIDGE
State	MA
Zip	02139-4046
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Lot Number	200001
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3000
Census Tract	353200

Owner

88 Pearl St, #1 is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	88 PEARL ST, 1, CAMBRIDGE, MA 02139-4046
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
Jun 7, 2022	Condominium Deed, Transfer · Stand-Alone First Mortgage KAREN J MILLER
Mar 6, 2019	Condominium Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2022 · Amount on File
Deed Sale	Jun 7, 2022 · Amount on File
Prior Sale	Aug 18, 2011 · Amount on File
Deed Book / Page	80239 / 296
Prior Transfer Date	Feb 26, 2019
Prior Transfer Doc	72302-70
Record Updated	Sep 20, 2026

June 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Jun 7, 2022
Property Address	88 PEARL ST # 1, 1, CAMBRIDGE, MA 02139-4046
Document Number	080239-296
Book / Page	80239 / 296
Instrument Date	Jun 6, 2022
Instrument	85276
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	Tenants by the Entirety
Address	88 PEARL ST # 1, 1, CAMBRIDGE, MA 02139-4046

Mortgage

Document Number	0000085277
Date	Jun 7, 2022
Instrument	85277

Lender

Name	KAREN J MILLER

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Mar 6, 2019
Property Address	88 PEARL ST # 1, 1, CAMBRIDGE, MA 02139-4046
Document Number	72302-70
Book / Page	072302 / 000070
Instrument Date	Feb 26, 2019
Instrument	27691
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	88 PEARL ST #1 CAMBRIDGE MA 021394046, 1, CAMBRIDGE, MA 02139-4046

Tax Assessment & Valuation

The 2025 property tax bill for 88 Pearl St, #1 was $7,809, up 11.6% 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	$7,809.00 (+11.59%)	$1,229,800 (+4.04%) Building $1,229,800	$1,655,565 (-3.74%)
2024	$6,998.00 (+12.94%)	$1,182,100 (+11.8%) Building $1,182,100	$1,719,975
2023	$6,196.00	$1,057,300 Building $1,057,300

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

Flood

FEMA maps place 88 Pearl St, #1 in Zone X, an area of minimal flood risk.

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	4 in force

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 88 Pearl St, #1 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 910 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Starry.

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