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20 Harding St., Cambridge MA 02141

Cambridge, MA 02141 • East Cambridge
$1,679,000
Est. $9,308/month
6
Beds
3
Baths
2,496
Sq Ft
$673
Price/Sq Ft
0.02
Acres
1894
Year Built
3 Family - 3 Units Up/Down
Type
23
Days on Market
Active Price Drop -$20,000 Listed Mar 19, 2026 • MLS# 73488720 Copied!

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

Current Owner

Owner ZHANG, YUN ANNIE
Mailing Address 20 HARDING STREET, CAMBRIDGE, MA, 02141-1009

Land Use

Use Code 105
Description Three-Family
Zoning C-1
Style DECKER

Tax Information

Assessed Value $1,111,400
Tax Rate $5.86 per $1,000
Base Tax $6,513
CPA Surcharge 3% ($178)
Estimated Annual Tax $6,691

Assessment History

Year Land Building Total Change
FY2026 $549,200 $562,200 $1,111,400 —

Sale History

Date Price Book/Page
Apr 19, 1996 $170,000 26240/0123

Municipal Context: CAMBRIDGE

Median Home Value $925,000
Avg SF Tax Bill $8,175
Residential Tax Rate $5.86/1000
CPA Surcharge 3%
County Middlesex

Property Data Comparison

Discrepancies found between MLS and assessor records.

Field Assessor MLS Match
Sqft 3,668 2,496 ✗
Year built 1,894 1,894 ✓
Match: address_exact (95.0% confidence) · Data as of Mar 19, 2026

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

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

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
Features None
Pool None
Spa None
Fencing None
Patio/Porch Deck

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

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
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Deck
Fencing:
Other Structures:
Lot Features: Level
Road Surface: Paved

Parking & Garage

Parking Features: On Street

Special Features

View: Yes
View Type: City View(s)
Community Amenities: Public Transportation, Shopping, Park, Medical Facility, Highway Access, House of Worship, Public School, T-Station, University

Location

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Neighborhood

East Cambridge

20 Harding St., Cambridge MA 02141

Cambridge, MA 02141

Walkability

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Nearby Schools

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

10 schools
C
Prospect Hill Academy Charter School
0.7 mi | #253 of 346 | Score: 45.9
Improved 29 spots from last year
-12.3 below state avg
890 students Diverse
High Graduation Rate Rising School College Ready Curriculum Diverse Student Body
Grades PK-12
A
Amigos School
1.2 mi | #45 of 352 | Score: 57.8
Improved 14 spots from last year
-0.5 below state avg
413 students Diverse
Diverse Student Body
Grades PK-08
St. Peter Elementary School
2.1 mi
Grades PK-08
Cambridge Friends School
2.3 mi
Grades PK-08
Cambridge Montessori School
2.3 mi
Grades PK-06
Shady Hill School
2.5 mi
Grades PK-08
A
Benjamin Banneker Charter Public School
2.5 mi | #100 of 824 | Score: 59.4
Dropped 79 spots from last year
+1.2 above state avg
352 students Less Diverse
Grades PK-06
Lycee International de Boston/International School of Boston, Inc.
3.0 mi
Grades 01-12
Fayerweather Street School
3.5 mi
Grades PK-08
C+
King Open School
< 0.1 mi | #500 of 824 | Score: 44.7
Dropped 179 spots from last year
-13.5 below state avg
391 students Very Diverse
Diverse Student Body
Grades PK-05
M

Middle Schools

5 schools
Allium Montessori School
1.5 mi
Grades 01-06
C+
Cambridge Street Upper School
< 0.1 mi | #214 of 352 | Score: 39.8
Dropped 26 spots from last year
-18.4 below state avg
301 students Very Diverse
Diverse Student Body
Grades 06-08
B+
Darby Vassall Upper School
0.3 mi | #118 of 352 | Score: 47.5
Improved 26 spots from last year
-10.7 below state avg
298 students Very Diverse
Rising School Diverse Student Body
Grades 06-08
A-
Putnam Avenue Upper School
1.3 mi | #103 of 352 | Score: 49.1
Dropped 24 spots from last year
-9.1 below state avg
283 students Very Diverse
Diverse Student Body
Grades 06-08
A
Rindge Avenue Upper School
2.3 mi | #67 of 352 | Score: 54.3
Dropped 2 spots from last year
-3.9 below state avg
292 students Diverse
Diverse Student Body
Grades 06-08
H

High Schools

3 schools
B-
Community Charter School of Cambridge
0.5 mi | #178 of 346 | Score: 53.1
Dropped 57 spots from last year
-5.2 below state avg
251 students Diverse
7 sports • 202 athletes
High Graduation Rate College Ready Curriculum
Grades 06-12
NuVu Innovation School
0.9 mi
Grades 08-12
Farr Academy School
1.0 mi
Grades 07-12
Learn about these ratings
School data provided by BMN Schools

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 $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

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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.

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

Price & Status History

Date Event Price Change
Apr 1, 2026 Price Changed $1,679,000 -$20,000
Mar 19, 2026 New Listing Added $1,699,000 —

Market Statistics

Days on Market
23 days
Price per Sq Ft
$673
Total Price Drop
-$20,000

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

Listing Information

Listing Agent Steve Yang
Listing Office eXp Realty
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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