20 Harding St

2,496 Sq. Ft.
$673 / Sq. Ft.
2,496
Sq. Ft.
$673
per Sq. Ft.

Description

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.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.
  1. Listed by Steve Yang • eXp Realty

Property Details for 20 Harding Street

Town
Cambridge
MLS Area
East Cambridge
Area
MA-Cambridge-East Cambridge, MA-Cambridge
Garage Spaces
0
Open Parking Spaces
.00
Parking Spaces Total
0
LISTING UPDATED: 04/04/2026 03:06 AM

Property Details for 20 Harding Street

StatusActive
MLS #73488720
Days on Market19
Taxes$7,413 / year
HOA Fees-
Compass TypeMulti Family
MLS TypeMulti-family / 3 Family - 3 Units Up/Down
Year Built1894
CountyMiddlesex County

Location

Listing Courtesy of eXp Realty, Steve Yang
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Building Information for 20 Harding Street

Stories3Residences3Year Built1894Building Size-Lot Size0.02 AC / 1,040 SF

Payment Calculator

$9,072 per month

30 year fixed, 6.46% Interest

Principal and Interest

$8,455

Property Taxes

$618

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 20 Harding Street

General Details
Property Details
  • Building Area Units: Square Feet
  • Community Features: Public Transportation, Shopping, Park, Medical Facility, Highway Access, House of Worship, Public School, T-Station, University
  • Living Area: 2496.0
  • Color: Grey
  • SqFt with Basement: No
  • Total Units: 3
  • Waterfront: No
  • Water View: No
  • Year Built Details: Approximate,Renovated Since
  • Year Built Source: Public Records
Features
Interior Features
  • Appliances: Washer, Dryer, Range, Refrigerator, Dishwasher
  • Basement Features: Full, Interior Access, Unfinished Basement
  • Num of Baths: 3.0
  • Num of Full Baths: 3
  • Num of Half Baths: 0
  • Bathrooms Total Decimal: 3.00
  • Bathrooms Total Integer: 3
  • FireplaceYN: No
  • Fireplaces: 0
  • Flooring: Wood, Tile
  • Interior Features: Storage, Laundry Room, Living Room, Kitchen, Office/Den
  • SpaYN: No
  • Window Features: Insulated Windows
Exterior Features
  • Construction: Frame, Brick
  • Exterior Features: Deck
  • Lot Description: Level
  • Patio And Porch Features: Deck
  • Roof Material: Rubber
  • View: City View(s)
  • View: Yes
Parking Features
  • Covered Spaces: .00
  • Garage: No
  • Garage Parking: On Street Permit
  • Open Parking: Yes
  • Parking Features: On Street Permit
  • Parking Features: On Street Permit
Utilities
  • Electric: 110 Volts, 60 Amps/Less, Common, Individually Metered
  • Heating: Baseboard, Natural Gas
  • Heating: Yes
  • Sewer: City/Town Sewer
  • Utility Connections: for Gas Range
  • Water: Public
Property Information
Property Info
  • Year Round: Yes
  • Farm Land Area Units: Square Feet
  • WARRANTY: No
  • Lot Size Units: Acres
  • Road Frontage Type: Public
  • Road Responsibility: Public Maintained Road
  • Road Surface Type: Paved
  • Disclosures: Listing agent is related to owner. Sale is intended for Tax Exchange,buyer's co-operation is needed. Owner never occupied. Old termites damage. Lead Paint Interim Control Documents for the 3rd Unit.
Tax Information
  • Tax ID: 401350
  • Assessments: $1,080,200
  • Book: 26240
  • Lot: 00193
  • Map: 00036
  • Tax Year: 2026
  • Zoning: C-1
Building / Association Information
Living Characteristics
  • Beds Total: 6
  • Total Living Levels: 3
Other Building Characteristics
  • Foundation: Brick/Mortar
  • Levels: 3
  • Heat Units: 3
  • Heat Zones: 3
Income / Expenses
  • Electricity: $478.00
  • GOI: $84,000.00
  • Insurance: $3,865.00
  • GRE: $5,327
  • NOI: $84,000.00
  • Operating Expense: $5,327.00
  • WSE: $1,462.00
Complex & Association Information
  • Adult Community: No
Unit Information
Unit 1 Description
  • Floor U1: 1
  • Lease U1: Y
  • Levels U1: 1
Unit 2 Description
  • Floor U2: 2
  • Lease U2: Y
  • Levels U2: 1
Unit 3 Description
  • Floor U3: 3
  • Lease U3: Y
  • Levels U3: 1
Rental Info
Rental Info
  • Total Actual Rent: $7,000.00

Property History for 20 Harding Street

DateEvent & SourcePriceAppreciation
Mar 31, 2026

Price Change

MLS PIN #73488720

$1,679,000—
Mar 18, 2026

Listed (Active)

MLS PIN #73488720

$1,699,000—
Apr 19, 1996

Sold (Public Record)

Public Record #87686428

$170,000

0.0% / yr

Apr 19, 1996

Sold

MLS PIN #50315943

$170,000—
Feb 14, 1996

Contingent

MLS PIN #50315943

—
Feb 8, 1996

Listed (Active)

MLS PIN #50315943

$179,900—
Nov 20, 1992

Sold (Public Record)

Public Record #87692172

$169,900

+5.0% / yr

Nov 27, 1991

Sold (Public Record)

Public Record #87693392

$162,000—
DateEvent & SourcePrice
03/31/2026

Price Change

MLS PIN #73488720

$1,679,000
03/18/2026

Listed (Active)

MLS PIN #73488720

$1,699,000
04/19/1996

Sold (Public Record)

Public Record #87686428

$170,000

0.0% / yr

04/19/1996

Sold

MLS PIN #50315943

$170,000
02/14/1996

Contingent

MLS PIN #50315943

—
02/08/1996

Listed (Active)

MLS PIN #50315943

$179,900
11/20/1992

Sold (Public Record)

Public Record #87692172

$169,900

+5.0% / yr

11/27/1991

Sold (Public Record)

Public Record #87693392

$162,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 20 Harding Street

Taxable ValueLand$549,200Additions$531,000Total$1,080,200
Tax Record2025$6,859 ($572 / month)
Home Facts
Baths3Total Finished SqFt2,496 SqFtAbove Grade Finished SqFt2,496 SqFtUnfinished Basement SqFt930 SqFtStories3Lot Size1,040 SqFtStyleTriplexYear Built1894ZoningC-1CountyMIDDLESEXAPNCAMB M:00036 L:00193

Schools near 20 Harding Street

This home is within Cambridge School District.
Rating
School
Type
Grades
Distance
Public - PK to 5
Public - 6 to 8
Public - 9 to 12
Public - PK to 5
Rating
School
Distance
Kennedy-Longfellow School
PublicPK to 5

Cambridge Street Upper School
Public6 to 8

Cambridge Rindge and Latin School
Public9 to 12

Cambridgeport School
PublicPK to 5

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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20 Harding Street is a multi-family home for sale in Cambridge, MA 02141. This property was listed for sale on March 18, 2026 by eXp Realty, it's currently listed at $1,679,000. It has been on the market for a total of 19 days and was last sold on April 19, 1996. This listing's school district is Cambridge School District. Nearby schools include Kennedy-Longfellow School, Cambridge Street Upper School and Cambridge Rindge and Latin School. 20 Harding Street is a 6-bed, 3-bath, 2,496 sqft multi-family home built in 1894.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of eXp Realty, Steve Yang

The property listing data and information, or the images, set forth herein were provided to MLS Property Information Network, Inc., Martha's Vineyard MLS, CCIMLS, Link MLS, and Berkshire County Board of REALTORS from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc., Martha's Vineyard MLS, CCIMLS, Link MLS, and Berkshire County Board of REALTORS. The property listing data and information, and the images, are for the personal, non-commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc., Martha's Vineyard MLS, CCIMLS, Link MLS, and Berkshire County Board of REALTORS and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information, or as to the accuracy of any of the images, set forth herein.