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49-51 Harding Avenue, Belmont MA 02478

Belmont, MA 02478
$1,400,000
Est. $8,625/month
5
Beds
2.5
Baths
2,751
Sq Ft
$509
Price/Sq Ft
0.13
Acres
1929
Year Built
2
Garage Spaces
20
Days on Market
Active Listed Jun 17, 2026 • MLS# 73537694 Copied! • Updated Jun 23, 2026

About this home

Set on a side street just outside Cushing Square, 49-51 Harding Ave offers a spacious Belmont two-family with flexible owner-occupant or investment potential. The home has 13 total rooms, hardwood floors, updated windows, and classic 1929 character throughout. Unit 1 features 2 bedrooms, a tiled full bath, and an updated eat-in kitchen with white cabinetry, stainless steel appliances, and good storage. Unit 2 spans the second and third floors with 3 bedrooms, 1.5 baths, a dining room, oversized living room, front sunroom, rear screened porch, and office space. Updated kitchen includes white cabinets, quartz counters, stainless steel appliances, and generous storage. Outdoor space includes a rear deck with built-in seating plus covered and enclosed porch areas. A full walk-out basement, 2 garage spaces, and 2 additional off-street spaces add everyday convenience. Close to the 73 bus line with access to Harvard Square, Boston, shopping, parks, and Belmont schools.

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Property History

Property Timeline

🏠
Listed for Sale
Jun 17, 2026
$1,400,000
Original listing
Agent: The Toland Team Office: Berkshire Hathaway HomeServices Commonwealth Real Estate

Tax History

Year Taxes Assessment
2026 $16,149 $1,403,000

Financial Details

Annual Property Tax
$16,149
Tax Year 2026
Assessed Value
$1,403,000

Facts & Features

2 Car Garage

Home Facts

Type Residential Income
Style 2 Family - 2 Units Up/Down
Year Built 1929
Living Area 2,751 sq ft
Lot Size 0.13 acres
Bedrooms 5
Full Baths 2
Half Baths 1
Total Rooms 13

Investment Metrics

Units 2
Unit 1 Rent $2,800/mo · N
Unit 2 Rent $3,100/mo · N
Total Monthly Rent $5,900/mo
Gross Income $70,800
Net Operating Income $70,800
Cap Rate 5.06%
Heating Steam, Oil, Electric
Cooling None
Flooring Wood, Tile, Hardwood
Appliances Range, Dishwasher, Microwave, Refrigerator, Disposal, Range Hood
Fireplace None
Basement Full, Walk-out Access, Concrete, Unfinished
Laundry Washer Hookup, Dryer Hookup, Electric Dryer Hookup
Features Ceiling Fan(s), Stone/granite/solid Counters, Upgraded Cabinets, Upgraded Countertops, Bathroom With Tub, Living Room, Dining Room, Kitchen, Office/den, Sunroom
Construction Frame
Architecture None
Roof Shingle
Features None
Pool None
Spa None
Fencing None
Patio/Porch Enclosed, Deck, Covered
Garage Spaces 2
Has Garage Yes
Features Off Street, Paved
Total Spaces 4
Electric Circuit Breakers
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range, For Electric Dryer, Washer Hookup

Financial

Annual Tax $16,149
Assessed Value $1,403,000
Fee Includes None
Amenities None
Optional Fee Includes None
Seller Disclosures See School Dept. For Elementary School Placement.
Exclusions All Tenant Belongings
Possession None
Accepted Financing None
Structure Type []
House Color Beige
Sq Ft Source Public Record
Documents None
County Middlesex
Total market time (incl. prior listings) 6 days

Property Overview

Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1929
Bedrooms
5
Full Bathrooms
2
Half Bathrooms
1
Living Area
2,751 sq ft
Total Rooms
13
Stories
3
Levels
3

Room Details

Other Floor

Bathroom1
Bedroom5
Bedroom4
Bedroom3
Dining Room
Kitchen
Bathroom2
Bedroom2
Living Room
Bathroom3
Master Bedroom
Office
Family Room
Master Bathroom

Interior Features

Flooring: Wood, Tile, Hardwood
Appliances: Range, Dishwasher, Microwave, Refrigerator, Disposal, Range Hood
Interior Features: Ceiling Fan(s), Stone/Granite/Solid Counters, Upgraded Cabinets, Upgraded Countertops, Bathroom With Tub, Living Room, Dining Room, Kitchen, Office/Den, Sunroom
Windows: Insulated Windows
Basement: Full, Walk-Out Access, Concrete, Unfinished
Laundry: Washer Hookup, Dryer Hookup, Electric Dryer Hookup
Security:

Construction & Materials

Year Built: 1929
Structure Type:
Exterior Materials: Frame
Roof: Shingle
Foundation: Block, Stone
Stories: 3

Heating, Cooling & Utilities

Heating: Steam, Oil, Electric
Cooling: None
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features: Thermostat, Other (See Remarks)

Exterior & Lot

Exterior Features:
Patio & Porch: Enclosed, Deck, Covered
Fencing:
Other Structures:
Lot Features: Gentle Sloping
Road Surface:

Parking & Garage

Garage Spaces: 2
Total Parking Spaces: 4
Parking Features: Off Street, Paved

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
%
Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $1,346
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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+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

49-51 Harding Avenue, Belmont MA 02478

Belmont, MA 02478

Listing Information

Listing Agent The Toland Team
Listing Office Berkshire Hathaway HomeServices Commonwealth Real Estate
Office Phone 617-489-6900
Agent MLS ID TM334219
Office MLS ID AN5429
Listing Data Updated Jun 23, 2026 4:16 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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Steven Novak
Steven Novak
BMN Boston Real Estate
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Steven Novak

Steven Novak

BMN Boston Real Estate

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