98 Hammond St, Cambridge, MA 02138 Property Records

Middlesex County and Cambridge City property record for 98 Hammond St, Cambridge, MA 02138

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,575 sqft · built 1903
Lot Size	0.073 acres (3,192 sqft)
Owner	Individual Name on Record
Last Sale	$2,320,000 (Mar 2018)
Tax Bill	$14,646 (2025)
Deeds & Mortgages	Dec 2019 Refinance Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`149-149`

Property Details

APN / Parcel Number

Primary APN	`149-149`
Alternative APNs	`CAMB M:00149 L:00149` `M:00149 L:00044`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,575 sqft Living Area
Gross Area	3,276 sqft
1st Floor Area	792 sqft
Attic	Attic
Attic Area	756 sqft
Basement Area	792 sqft
Unfinished Basement	695 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Central Vacuum	Central Vacuum

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Gable
Roof Material	Slate
Lot Area	3,192 sqft (0.073 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	98 HAMMOND ST
City	CAMBRIDGE
State	MA
Zip	02138-1918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-1
Legal Subdivision	CAMBRIDGE
Legal Lot Number	149
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1016
Census Tract	353600

Owner

Source: Middlesex County and Cambridge City 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	Individual Name on Record
Mailing Address	98 HAMMOND ST, CAMBRIDGE, MA 02138-1918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Mar 30, 2018	Quit Claim Deed, Transfer CAMBRIDGE SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2018 · Amount on Record
Deed Sale	Mar 30, 2018 · Amount on Record
Prior Sale	Jan 21, 2005 · Amount on Record
Deed Book / Page	70804 / 542
Transfer Doc	070804-542
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	98 HAMMOND ST, CAMBRIDGE, MA 02138-1918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73851-331
Date	Dec 18, 2019
Book Page	73851/331
Instrument	201123

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	253 Months
Due	Jan 1, 2041

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Mar 30, 2018
Property Address	98 HAMMOND ST, CAMBRIDGE, MA 02138-1918
Document Number	70804-542
Book / Page	70804 / 542
Instrument	42879
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72.05
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 HAMMOND ST, CAMBRIDGE, MA 02138-1918

Mortgage

Document Number	708040545
Date	Mar 30, 2018
Instrument	70804/0545

Lender

Name	CAMBRIDGE SVGS BK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2048

Tax Assessment & Valuation

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	$14,646.00 (+7.38%)	$2,306,500 (+0.11%) Land $1,055,600 Building $1,250,900	$3,041,900 (-3.75%)
2024	$13,640.00 (+7%)	$2,304,000 (+5.91%) Land $1,106,400 Building $1,197,600	$3,160,460
2023	$12,748.00	$2,175,500 Land $1,126,600 Building $1,048,900

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	8 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

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 885 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Netafy, Starry.

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