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109 Belmont St, Cambridge MA 02138

Cambridge, MA 02138
$1,899,000
Est. $10,538/month
6
Beds
3
Baths
3,500
Sq Ft
$543
Price/Sq Ft
0.10
Acres
1916
Year Built
8 hours 4 minutes
Time on Market
Active Listed Jul 4, 2026 • MLS# 73544650 Copied!

About this home

Exceptional opportunity to own a spacious multi-family property in one of Cambridge's most desirable neighborhoods. Offering over 2,500 square feet of living space, this multi-family property is fully gutted and ready to be renovated with included permit ready plans. It features 6 bedrooms and 3 full bathrooms, providing flexibility for investors, owner-occupants, or multi-generational living. Situated on a 4,356-square-foot fenced lot, the property offers private outdoor space while being conveniently located near Harvard Square, Fresh Pond, public transportation, shopping, dining, parks, and major commuter routes. Each unit is designed for luxury living accommodations with strong rental potential in a highly sought-after market. Whether you're looking to expand your investment portfolio, generate rental income, or occupy one unit while leasing the others, this Cambridge property offers outstanding value and long-term potential. Condo conversion could be explored for maximum return.

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Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1916
Bedrooms
6
Full Bathrooms
3
Living Area
3,500 sq ft
Total Rooms
19
Stories
3
Levels
3

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1916
Living Area 3,500 sq ft
Lot Size 0.10 acres
Bedrooms 6
Full Baths 3
Total Rooms 19

Interior

Heating None
Cooling None
Flooring Wood, Tile, Vinyl
Appliances None
Fireplace None
Basement Full, Walk-out Access, Concrete, Unfinished
Laundry Gas Dryer Hookup
Features None

Exterior

Construction Frame
Architecture None
Roof Shingle
Features Balcony, Rain Gutters, Varies Per Unit
Pool None
Spa None
Fencing Fenced
Patio/Porch Porch, Screened, Deck, Deck - Wood, Patio

Parking

Features None

Utilities

Electric 220 Volts
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range, For Gas Oven, For Gas Dryer

Financial

Annual Tax $8,822
Assessed Value $1,389,300

Interior Features

Flooring: Wood, Tile, Vinyl
Appliances:
Interior Features:
Windows:
Basement: Full, Walk-Out Access, Concrete, Unfinished
Laundry: Gas Dryer Hookup
Security:

Construction & Materials

Year Built: 1916
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Block
Stories: 3

Heating, Cooling & Utilities

Heating:
Cooling:
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Balcony, Rain Gutters, Varies per Unit
Patio & Porch: Porch, Screened, Deck, Deck - Wood, Patio
Fencing: Fenced
Other Structures: Shed(s)
Lot Features: Level, Other
Road Surface: Paved

Parking & Garage

Parking Features:

Location

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Neighborhood

109 Belmont St, Cambridge MA 02138

Cambridge, MA 02138

Walkability

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School District
Cambridge School District local
A-
🎓 Where Graduates Go Class of 2021
65% attend college
58% 4-Year 7% 2-Year 23% Out of State 7% Working
School Safety 2024-25
1.2% Low
0.8% Suspensions 0.2% In-School 0.4% Emergency
4.3% below state avg
E

Elementary Schools

3 schools
Star Academy (Watertown Campus)
0.2 mi
Grades PK-12
B+
Haggerty School
0.2 mi | #254 of 824 | Score: 52.3
Improved 122 spots from last year
-5.9 below state avg
250 students Very Diverse
Rising School Diverse Student Body
Grades PK-05
St. Stephen's Armenian School
0.5 mi
Grades PK-05
M

Middle Schools

1 school
A+
Belmont Middle School
1.5 mi | #15 of 352 | Score: 62.5
Dropped 13 spots from last year
+4.3 above state avg
742 students Diverse
Strong Attendance
Grades 07-08
H

High Schools

3 schools
A+
Belmont High School
1.4 mi | #10 of 346 | Score: 75.5
Same rank as last year
+17.3 above state avg
1,454 students Diverse
21 sports • 2,714 athletes
Strong AP Program High Graduation Rate College Ready Curriculum Strong Athletics
Grades 09-12
D
Lyon High School
1.6 mi | #328 of 346 | Score: 27.8
Improved 22 spots from last year
-30.4 below state avg
95 students Diverse
12 sports • 88 athletes
Rising School Diverse Student Body
Grades 12
Saint Joseph Preparatory High School
1.7 mi
Grades 09-12
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Monthly Payment Calculator

Monthly Payment
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Principal, interest, taxes & insurance
Loan Amount
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After down payment
Total Interest
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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $735
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

Rate Impact

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Current Rate
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Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.

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Property History

Property Timeline

🏠
Listed for Sale
Jul 4, 2026
$1,899,000
Original listing
Agent: The Prosperity Group Office: eXp Realty LLC - Corporate Office

Price & Status History

Date Event Price Change
Jul 4, 2026 New Listing Added $1,899,000

Market Statistics

Time on Market
8 hours 4 minutes
Price per Sq Ft
$543

Tax History

Year Taxes Assessment
2025 $8,822 $1,389,300

Financial Details

Annual Property Tax
$8,822
Tax Year 2025
Assessed Value
$1,389,300

Listing Information

Listing Agent The Prosperity Group
Listing Office eXp Realty LLC - Corporate Office
Agent MLS ID TM350594
Office MLS ID AC0342
Listing Data Updated Jul 4, 2026 8:19 PM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

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