95 Temple St, Somerville, MA 02145 Property Records

Middlesex County and Somerville City property record for 95 Temple St, Somerville, MA 02145

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,108 sqft · built 1910
Lot Size	0.103 acres (4,506 sqft)
Owner	Individual Name on Record
Last Sale	$1,178,750 (Jul 2023)
Tax Bill	$10,991 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`69-H-1`

Property Details

APN / Parcel Number

Primary APN	`69-H-1`
Alternative APNs	`SOME M:69 B:H L:1` `12372171`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,108 sqft Living Area
Gross Area	3,667 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,506 sqft (0.103 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	12372171
Street Address	95 TEMPLE ST
City	SOMERVILLE
State	MA
Zip	02145-1916
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RB
Legal Block	H
Legal Lot Number	1
Jurisdiction	SOMERVILLE MA
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1010
Census Tract	350109

Owner

Source: Middlesex County and Somerville City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	95 TEMPLE ST, SOMERVILLE, MA 02145-1916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED NATIONS FCU
Jun 19, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Jan 27, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 5, 2019	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	Aug 5, 2019 · Amount on Record
Deed Document Number	202385116
Deed Book / Page	81836 / 532
Record Updated	Jun 8, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOMERVILLE MA
Recording Date	Jul 31, 2023
Property Address	95 TEMPLE ST, SOMERVILLE, MA 02145-1916
Document Number	081836-532
Book / Page	81836 / 532
Instrument Date	Jul 31, 2023
Instrument	85116
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount Recorded
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	95 TEMPLE ST, SOMERVILLE, MA 02145-1916

Mortgage

Document Number	0000085119
Date	Jul 31, 2023
Instrument	85119

Lender

Name	UNITED NATIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Aug 1, 2026
Max Rate At Change	2.5%
Index	3-Year CMT

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERVILLE MA
Property Address	95 TEMPLE ST, SOMERVILLE, MA 02145-1916
Document Number	75053-180
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 TEMPLE ST SOMERVILLE MA 021451916, SOMERVILLE, MA 02145-1916

Mortgage

Document Number	75053-180
Date	Jul 7, 2020
Book Page	075053/000180
Instrument	108046

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 6, 2045

Interest

Rate Type	Adjustable Rate

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOMERVILLE MA
Recording Date	Jan 27, 2020
Property Address	95 TEMPLE ST, SOMERVILLE, MA 02145-1916
Document Number	74046-391
Book / Page	074046 / 000391
Instrument Date	Jan 25, 2020
Instrument	12892
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 WINTER ST #110 WALTHAM MA 024518709, 110, WALTHAM, MA 02451-8709

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOMERVILLE MA
Recording Date	Aug 5, 2019
Property Address	95 TEMPLE ST, SOMERVILLE, MA 02145-1916
Document Number	73060-292
Book / Page	073060 / 000292
Instrument Date	Aug 5, 2019
Instrument	115002
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,830.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 TEMPLE ST SOMERVILLE MA 021451916, SOMERVILLE, MA 02145-1916

Mortgage

Document Number	73060-295
Date	Aug 5, 2019
Book Page	073060/000295
Instrument	115003

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2049

Tax Assessment & Valuation

Source: Middlesex County and Somerville City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Somerville City
Unified School District	Somerville School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$10,991.00 (+12.93%)	$1,007,400 (+8.88%) Land $414,500 Building $592,900
2024	$9,733.00 (+3.21%)	$925,200 (+1.45%) Land $414,500 Building $510,700
2023	$9,430.00	$912,000 Land $414,500 Building $497,500

Assessed value is set for property tax purposes and is not a market price estimate.

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	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2021 · rainfall accumulation

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	SOMERVILLE WATER DEPT. (MWRA) serves 81,045 people · EPA ID MA3274000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	4 ppb (2025) 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 2019
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 516 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
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
Netafy Fixed Wireless	630 / 140

May also be available: AT&T, Starry, T-Mobile.

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