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109 Belmont St, Cambridge MA 02138 - Preview 1 109 Belmont St, Cambridge MA 02138 - Preview 2 109 Belmont St, Cambridge MA 02138 - Preview 3 109 Belmont St, Cambridge MA 02138 - Preview 4
109 Belmont St, Cambridge MA 02138 - Preview 1 109 Belmont St, Cambridge MA 02138 - Preview 2 109 Belmont St, Cambridge MA 02138 - Preview 3 109 Belmont St, Cambridge MA 02138 - Preview 4

109 Belmont St, Cambridge MA 02138

Cambridge, MA 02138
$1,899,000
Est. $10,538/month
6
Beds
3
Baths
3,500
Sq Ft
$543
Price/Sq Ft
0.10
Acres
1916
Year Built
3 Family
Type
2 hours 21 minutes
Time on Market
Active Listed Jul 4, 2026 • MLS# 73544650 Copied!

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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Property Overview

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

Facts & Features

Home Facts

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

Interior

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

Exterior

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

Parking

Features None

Utilities

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

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

Heating, Cooling & Utilities

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:

Location

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Neighborhood

109 Belmont St, Cambridge MA 02138

Cambridge, MA 02138

Walkability

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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
Shady Hill School
0.9 mi
Grades PK-08
Fayerweather Street School
1.1 mi
Grades PK-08
St. Peter Elementary School
1.3 mi
Grades PK-08
Cambridge Montessori School
1.3 mi
Grades PK-06
Cambridge Friends School
1.5 mi
Grades PK-08
A
Benjamin Banneker Charter Public School
1.6 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.
2.2 mi
Grades 01-12
A
Amigos School
2.5 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
C
Prospect Hill Academy Charter School
2.8 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
B+
Haggerty School
0.2 mi | #254 of 824 | Score: 52.3
Improved 122 spots from last year
-5.9 below state avg
250 students Very Diverse
Rising School Diverse Student Body
Grades PK-05
M

Middle Schools

5 schools
Allium Montessori School
1.8 mi
Grades 01-06
A
Rindge Avenue Upper School
1.8 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
A-
Putnam Avenue Upper School
2.2 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
C+
Cambridge Street Upper School
3.2 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
3.5 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
H

High Schools

3 schools
Farr Academy School
2.7 mi
Grades 07-12
NuVu Innovation School
2.8 mi
Grades 08-12
B-
Community Charter School of Cambridge
3.6 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
Learn about these ratings
School data provided by BMN Schools

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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

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Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
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Recently Sold Nearby

Property History

Property Timeline

🏠
Listed for Sale
Jul 4, 2026
$1,899,000
Original listing
Agent: The Prosperity Group Office: eXp Realty LLC - Corporate Office

Price & Status History

Date Event Price Change
Jul 4, 2026 New Listing Added $1,899,000 —

Market Statistics

Time on Market
2 hours 21 minutes
Price per Sq Ft
$543

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

Listing Information

Listing Agent The Prosperity Group
Listing Office eXp Realty LLC - Corporate Office
Agent MLS ID TM350594
Office MLS ID AC0342
Listing Data Updated Jul 4, 2026 8:19 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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109 Belmont St, Cambridge MA 02138 - Photo 1 109 Belmont St, Cambridge MA 02138 - Photo 2 109 Belmont St, Cambridge MA 02138 - Photo 3 109 Belmont St, Cambridge MA 02138 - Photo 4
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