20 Harding St, Cambridge, MA, 02141
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.
Getting Around
Walker's Paradise
Excellent Transit
Biker's ParadiseSchools
Construction
Condition
- Year built: 1894
Materials
- Foundation: Brick/Mortar
- Roof: Rubber
- Construction materials: Frame,Brick
Type & Style
- Home type: MultiFamily
- Property subType: 3 Family - 3 Units Up/Down
Interior
Appliances
- Appliances included: Washer,Dryer,Range,Refrigerator,Dishwasher
Basement
- Has basement: Yes
- Basement: Full,Interior Entry,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 3
- Full bathrooms: 3
Features
- Storage,Laundry Room,Living Room,Kitchen,Office/Den
- Window features: Insulated Windows
- Flooring: Wood,Tile
- Finished area above ground: 2,496
Heating
- Heating features: Baseboard,Natural Gas
Interior Area
- Total structure area: 2,496
- Total interior livable area: 2,496 sqft
Property
Details
- Parcel number: 401350
- Zoning: C-1
Features
- Patio & porch: Deck
- Has view: Yes
- View description: City View(s)
Lot
- Lot size: 1,040 sqft
- Features: Level
Parking
- Parking features: On Street
- Has uncovered spaces: Yes
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
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Massachusetts Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $8,489 | $101,868 |
| Home Insurance * | $141 | $1,692 |
| Property Taxes | $873 | $10,476 |
| Electricity | $492 | $5,906 |
| Total | $9,995 | $119,940 |
Income You'd Need if You Spent...
Massachusetts FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-01 | Price change | $1,679,000 |
| 2026-03-19 | Listed for sale | $1,699,000 |
| 2025-08-31 | Listing removed | $2,150 |
| 2025-08-25 | Listed for rent | $2,150 |
| 2017-08-16 | Listing removed | $2,100 |
| 2017-08-06 | Listed for rent | $2,100 |
| 1996-04-19 | Sold | $170,000 |
| 1992-11-20 | Sold | $169,900 |
| 1991-11-27 | Sold | $162,000 |
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