2 Family - 2 Units Up/Down at 49-51 Harding Avenue, Belmont MA 02478, Belmont
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$1,400,000

49-51 Harding Avenue, Belmont MA 02478
Belmont, MA 02478
Listed by The Toland Team
Bedrooms
5
Bathrooms
2.5
Living area
2,751 sqft
Year built
1929

About this home

Set on a side street just outside Cushing Square, 49-51 Harding Ave offers a spacious Belmont two-family with flexible owner-occupant or investment potential. The home has 13 total rooms, hardwood floors, updated windows, and classic 1929 character throughout. Unit 1 features 2 bedrooms, a tiled full bath, and an updated eat-in kitchen with white cabinetry, stainless steel appliances, and good storage. Unit 2 spans the second and third floors with 3 bedrooms, 1.5 baths, a dining room, oversized living room, front sunroom, rear screened porch, and office space. Updated kitchen includes white cabinets, quartz counters, stainless steel appliances, and generous storage. Outdoor space includes a rear deck with built-in seating plus covered and enclosed porch areas. A full walk-out basement, 2 garage spaces, and 2 additional off-street spaces add everyday convenience. Close to the 73 bus line with access to Harvard Square, Boston, shopping, parks, and Belmont schools.

Property details

MLS #
73537694
Property type
2 Family - 2 Units Up/Down
Subdivision
N/A
Status
Active
Days on market
113
On market date
June 17, 2026
Stories
3
Total bathrooms
2.5
Garage spaces
2
Parking spaces
4
Lot size
0.13 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
James Russell Lowell
0.31 mi away · Grades 0-5
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
359
Student:teacher ratio
8.3:1
District
Watertown
Middle
Winthrop L Chenery Middle
0.61 mi away · Grades 5-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,362
Student:teacher ratio
15.8:1
District
Belmont
High
Watertown High
0.74 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
705
Student:teacher ratio
9.5:1
District
Watertown

Walkability

Blended score for Belmont's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

91
Highly walkable
out of 100
EPA National Walkability Index
17.0 / 20 -- Most walkable
Google Places amenity density
100 / 100
Restaurants & cafes20
Grocery stores7
Parks15
Schools20
Transit stops20
Pharmacies5

Market position

How this listing compares to current activity in Belmont, from live MLS data.

On the market 113 days -- 25 more days than Belmont's current average of 88 days.
For reference, the median list price across 206 active listings in Belmont right now is $826,950.

Mortgage calculator

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Est. monthly payment
$8,581/mo
$280,000 down
$1,120,000 loan
Principal & interest$7,264
Property tax (est.)$1,167
Home insurance (est.)$150

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Data source: Listing information provided by MLS Property Information Network via Trestle/CoreLogic. Last updated September 3, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.