109 Belmont St, Cambridge MA 02138

Cambridge, MA 02138
$1,899,000
$1,849,000
Est. $10,285/month
Estimate assumptions

20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.

Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.

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6
Beds
3
Baths
2,500
Sq Ft
$740
Price/Sq Ft
0.10
Acres
1916
Year Built
101
Days on Market
For Sale Price Drop -$50,000 Listed Jul 4, 2026 • MLS# 73544650 Copied! • Updated Oct 10, 2026

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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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Recently Sold Nearby

Price & Status History

Market Insights

1
Price Changes
2.6%
Price Range

Property Timeline

↓
Price Reduced
Oct 10, 2026
$1,849,000 $50,000 (-2.63%)
From $1,899,000 to $1,849,000 (-2.6%)
🏠
Listed for Sale
Jul 4, 2026
$1,899,000
Original listing
Agent: The Prosperity Group Office: eXp Realty LLC - Corporate Office

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

Facts & Features

Home Facts

Type Residential Income
Style 3 Family
Year Built 1916
Living Area 2,500 sq ft
Lot Size 0.10 acres
Stories 3
Bedrooms 6
Full Baths 3
Total Rooms 19

Investment Metrics

Units 3
Unit 1 Rent — · N
Unit 2 Rent — · N
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
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
Features None
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
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures Home Is Fully Gutted. Agent To Accompany Client Throughout Walk And Use Safety Precautions. No Showings At Night Due To No Power.
Possession None
Accepted Financing Other (see Remarks)
Structure Type []
Sq Ft Source Owner
Sq Ft Disclosures Home is gutted with permit ready architectural plans for up to a 4 unit.
Documents None
County Middlesex
Total market time (incl. prior listings) 98 days

Property Overview

Property Type
3 Family
Listing Type
For Sale
Year Built
1916
Bedrooms
6
Full Bathrooms
3
Living Area
2,500 sq ft
Total Rooms
19
Stories
3
Levels
3

Floor Layout

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

Utilities & Systems

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:

Nearby Schools

School information not available for this location.

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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$0/mo
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Current Rate
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+0.5% 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.

Location

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Neighborhood

109 Belmont St, Cambridge MA 02138

Cambridge, MA 02138

Listing Information

Listing Agent The Prosperity Group
Listing Office eXp Realty LLC - Corporate Office
Office Phone 888-854-7493
Agent MLS ID TM350594
Office MLS ID AC0342
Listing Data Updated Oct 10, 2026 9:05 AM 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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Steve Novak Real Estate
Steve Novak Real Estate
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