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20 Harding St., Cambridge MA 02141 - Preview 1 20 Harding St., Cambridge MA 02141 - Preview 2 20 Harding St., Cambridge MA 02141 - Preview 3 20 Harding St., Cambridge MA 02141 - Preview 4 20 Harding St., Cambridge MA 02141 - Preview 5 20 Harding St., Cambridge MA 02141 - Preview 6 20 Harding St., Cambridge MA 02141 - Preview 7 20 Harding St., Cambridge MA 02141 - Preview 8
20 Harding St., Cambridge MA 02141 - Preview 1 20 Harding St., Cambridge MA 02141 - Preview 2 20 Harding St., Cambridge MA 02141 - Preview 3 20 Harding St., Cambridge MA 02141 - Preview 4 20 Harding St., Cambridge MA 02141 - Preview 5 20 Harding St., Cambridge MA 02141 - Preview 6 20 Harding St., Cambridge MA 02141 - Preview 7 20 Harding St., Cambridge MA 02141 - Preview 8

20 Harding St., Cambridge MA 02141

Cambridge, MA 02141 • East Cambridge
$1,699,000
$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
117
Days on Market
Active Price Drop -$20,000 Listed Mar 18, 2026 • MLS# 73488720 Copied! • Updated Apr 4, 2026

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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A free agent CMA factors in condition, upgrades, and the street — the things comps alone can't see.

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

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%
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
Construction Frame, Brick
Architecture None
Roof Rubber
Features None
Pool None
Spa None
Fencing None
Patio/Porch Deck
Features On Street
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
Fee Includes None
Amenities None
Optional Fee Includes None
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.
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

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
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
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

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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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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

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.

Contact Us

BMN Boston Real Estate
BMN Boston Real Estate
Douglas Elliman
(617) 800 - 9008 contact@bmnboston.com
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