20 Harding St., Cambridge MA 02141
Cambridge, MA 02141 • East Cambridge
$1,699,000
$1,679,000
Est. $9,308/month
About this home
Great investment opportunity. Triple Decker located in convenient East Cambridge neighborhood: short distance to two Green Line T stops (Union Square and Lechmere), schools, shopping mall, public library and Harvard/MIT. Plenty of restaurants and boutique shops nearby. Separate heating and electric system. New vinyl siding, rubber roof in very good condition. Great tenants w/ leases.
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Public Records & Permits
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
1.2%
Price Range
Property Timeline
Price Reduced
Apr 1, 2026
$1,679,000
$20,000
(-1.18%)
From $1,699,000 to $1,679,000 (-1.2%)
Listed for Sale
Mar 19, 2026
$1,699,000
Original listing
Agent: Steve Yang
Office: eXp Realty
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 04/01/2026 | ↓ Price Reduced | $1,679,000 | $20,000 | - | From $1,699,000 to $1,679,000 (-1.2%) |
| 03/19/2026 | 🏠 Listed for Sale | $1,699,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $7,413 | $1,080,200 |
Financial Details
Annual Property Tax
$7,413
Tax Year 2026
Assessed Value
$1,080,200
Facts & Features
Home Facts
Type
Residential Income
Style
3 Family - 3 Units Up/Down
Year Built
1894
Living Area
2,496 sq ft
Lot Size
0.02 acres
Bedrooms
6
Full Baths
3
Total Rooms
13
Investment Metrics
Units
3
Unit 1 Rent
$2,150/mo · Y
Unit 2 Rent
$2,100/mo · Y
Unit 3 Rent
$2,750/mo · Y
Total Monthly Rent
$7,000/mo
Gross Income
$84,000
Net Operating Income
$84,000
Operating Expenses
$5,327
Water/Sewer Expense
$1,462
Electric Expense
$478
Insurance Expense
$3,865
Cap Rate
5.00%
Interior
Heating
Baseboard, Natural Gas
Cooling
None
Flooring
Wood, Tile
Appliances
Washer, Dryer, Range, Refrigerator, Dishwasher
Fireplace
None
Basement
Full, Interior Entry, Unfinished
Laundry
None
Features
Storage, Laundry Room, Living Room, Kitchen, Office/den
Exterior
Construction
Frame, Brick
Architecture
None
Roof
Rubber
Parking
Features
On Street
Utilities
Electric
110 Volts, 60 Amps/less, Common, Individually Metered
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range
Financial
Annual Tax
$7,413
Assessed Value
$1,080,200
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Seller Disclosures
Listing Agent Is Related To Owner. Sale Is Intended For Tax Exchange, Buyers Co-operation Is Needed. Owner Never Occupied. Old Termites Damage. Lead Paint Interim Control Documents For The 3rd Unit.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Grey
Sq Ft Source
Public Record
Documents
None
County
Middlesex
Total market time (incl. prior listings)
17 days
Property Overview
Property Type
3 Family - 3 Units Up/Down
Listing Type
For Sale
Year Built
1894
Bedrooms
6
Full Bathrooms
3
Living Area
2,496 sq ft
Total Rooms
13
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,496 sq ft above grade
Display Options
Room Markers
BABathroom (4)
BRBedroom (5)
DDining (1)
KKitchen (1)
LLiving (2)
OOffice (1)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Wood, Tile
Appliances:
Washer, Dryer, Range, Refrigerator, Dishwasher
Interior Features:
Storage, Laundry Room, Living Room, Kitchen, Office/Den
Windows:
Insulated Windows
Basement:
Full, Interior Entry, Unfinished
Laundry:
Security:
Construction & Materials
Year Built:
1894
Structure Type:
Exterior Materials:
Frame, Brick
Roof:
Rubber
Foundation:
Brick/Mortar
Stories:
3
Heating, Cooling & Utilities
Heating:
Baseboard, Natural Gas
Heating Zones:
3
Cooling:
Hot Water:
Natural Gas, Tank
Water Source:
Public
Sewer:
Public Sewer
Parking & Garage
Parking Features:
On Street
Nearby Schools
School information not available for this location.
Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$618
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
-0.5% Rate
$0/mo
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
Payment Over Time
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
East Cambridge
20 Harding St., Cambridge MA 02141
Cambridge, MA 02141
Listing Information
Listing Agent
Steve Yang
Listing Office
eXp Realty LLC
Office Phone
888-854-7493
Agent MLS ID
BB980671
Office MLS ID
AN7038
Listing Data Updated
Apr 4, 2026 3:05 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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