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22 Garfield Rd, Belmont, MA, 02478

5beds
4baths
3,137sqft
$2,575,000
$821price/sqft
$16,533/moest. monthly cost
$661,320/yrincome needed

About This Home

Tranquil grounds envelop this gracious ten room residence blending timeless architecture and craftsmanship with modern amenities. An elegant foyer is flanked by a living room with custom built ins and gas fireplace, a dining room that opens to a chef's dream kitchen with center island. An expansive sun-bathed family room with vaulted ceiling, custom built-ins and French doors leading to deck and bucolic grounds. A bright sunroom with exterior access, mudroom and 1/2 bath completes the 1st level. The 2nd level boasts four generous bedrooms including the En-suite primary and main bath. The 3rd level offers a stunning retreat, versatile floor plan including a bedroom, full bath, home-office complimented by custom built-ins, closets and oversized windows The expansive lower-level features 2 finished areas ideal for recreation, gym or workroom. Manicured grounds, two car garage, central air, solar panels, irrigation system and convenient location complete this home.

Getting Around

35
WalkingCar-Dependent
34
TransitSome Transit
33
BikeSomewhat Bikeable

Schools

10/10
Winn Brook SchoolGrades K-40.5 mi
10/10
Belmont High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1936

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle,Wood
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Water Heater,Range,Dishwasher,Disposal,Refrigerator
  • Laundry features: In Basement,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Interior Entry,Sump Pump

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bathroom3

  • Level: Third

Bedroom2

  • Features: Closet, Flooring - Hardwood
  • Level: Second
  • Area: 156

Bedroom3

  • Features: Closet, Flooring - Hardwood
  • Level: Second
  • Area: 130

Bedroom4

  • Features: Closet, Flooring - Hardwood
  • Level: Second
  • Area: 96

Bedroom5

  • Features: Closet, Flooring - Wall to Wall Carpet, Window(s) - Picture
  • Level: Third
  • Area: 224

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Flooring - Hardwood, Open Floorplan
  • Level: First
  • Area: 143

Family Room

  • Features: Vaulted Ceiling(s), Closet/Cabinets - Custom Built, Flooring - Hardwood, Exterior Access
  • Level: First
  • Area: 299

Features

  • Closet,Bathroom - 1/4,Home Office,Sun Room,Play Room,Game Room,Foyer,Mud Room,Walk-up Attic
  • Door features: French Doors
  • Window features: Picture
  • Flooring: Tile,Carpet,Hardwood,Flooring - Wall to Wall Carpet,Flooring - Hardwood,Flooring - Stone/Ceramic Tile
  • Number of fireplaces: 3
  • Fireplace features: Family Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,297
  • Finished area above ground: 3,137

Heating & Cooling

  • Heating features: Heat Pump,Electric,Active Solar,Fireplace
  • Cooling features: Central Air,Heat Pump,Ductless

Interior Area

  • Total structure area: 3,137
  • Total interior livable area: 3,137 sqft

Kitchen

  • Features: Flooring - Hardwood, Pantry, Countertops - Stone/Granite/Solid, Kitchen Island, Open Floorplan, Recessed Lighting, Stainless Steel Appliances
  • Level: First
  • Area: 182

Living Room

  • Features: Closet/Cabinets - Custom Built, Flooring - Hardwood
  • Level: First
  • Area: 325

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Closet, Flooring - Hardwood
  • Level: Second
  • Area: 247

Office

  • Features: Closet, Flooring - Wall to Wall Carpet, Window(s) - Picture
  • Level: Third
  • Area: 21165

Property

Details

  • Parcel number: 362207
  • Zoning: RES

Features

  • Patio & porch: Deck
  • Exterior features: Deck,Professional Landscaping,Sprinkler System,Stone Wall,Outdoor Gas Grill Hookup

Lot

  • Lot size: 8,514 sqft
  • Features: Cul-De-Sac,Corner Lot,Wooded,Easements

Parking

  • Total spaces: 6
  • Parking features: Detached,Paved Drive
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Tsunami

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $13,020$156,240
Home Insurance *$469$5,628
Property Taxes $2,426$29,112
Electricity $618$7,423
Total$16,533$198,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$566,845/yr
40% on housing$495,990/yr
45% on housing$440,880/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$821This listing

vs Other Active Listings

Avg $/sqft

ZIP 02478$538
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 02478$735
Middlesex County$413

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-04Price change$2,699,000
2026-04-08Listed for sale$2,800,000
2016-11-08Sold$1,560,000
2016-09-15Pending sale$1,595,000
2016-09-07Listed for sale$1,595,000

For Sale by Agent

AgentBarbara Nolan
BrokerageColdwell Banker Realty - Belmont

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