10 Birch Rd, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 10 Birch Rd, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,208 sqft · built 1927
Lot Size	0.118 acres (5,122 sqft)
Owner	2 Individual Names on Record
Last Sale	$795,000 (Sep 2018)
Tax Bill	$12,343 (2026)
Deeds & Mortgages	Dec 2020 Refinance Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43640-20`

Property Details

APN / Parcel Number

Primary APN	`43640-20`
Alternative APNs	`WATE M:1036 B:0012 L:0003` `927`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	3,696 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,122 sqft (0.118 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	927
Street Address	10 BIRCH RD
City	WATERTOWN
State	MA
Zip	02472-4039
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	12
Legal Lot Number	3
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2011
Census Tract	370401

Owner

Source: Middlesex County and Watertown City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 STANDISH RD, WATERTOWN, MA 02472-3379
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK
Sep 5, 2018	Quit Claim Deed, Transfer FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2018 · Amount on Record
Deed Sale	Sep 5, 2018 · Amount on Record
Prior Sale	Apr 17, 1998 · Amount on Record
Deed Book / Page	71579 / 264
Transfer Doc	071579-264
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	10 BIRCH RD, WATERTOWN, MA 02472-4039
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76346-454
Date	Dec 4, 2020
Book Page	76346/454
Instrument	230422

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2052

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Sep 5, 2018
Property Address	10 BIRCH RD, WATERTOWN, MA 02472-4039
Document Number	71579-264
Book / Page	071579 / 000264
Instrument Date	Sep 5, 2018
Instrument	137250
Transaction Type	Transfer
Record Updated	Sep 27, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,625.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 STANDISH RD WATERTOWN MA 024723379, WATERTOWN, MA 02472-3379

Mortgage

Document Number	71579-270
Date	Sep 5, 2018
Book Page	071579/000270
Instrument	137251

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2048

Tax Assessment & Valuation

Source: Middlesex County and Watertown City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Watertown City
Unified School District	Watertown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,343.00 (+7.13%)	$1,011,700 (+2.56%) Land $495,500 Building $516,200	$1,035,640
2025	$11,521.00 (+9.65%)	$986,400 (+9.84%) Land $495,500 Building $490,900
2024	$10,507.00 (-11.36%)	$898,000 (+2.89%) Land $482,300 Building $415,700
2023	$11,853.00	$872,800 Land $461,300 Building $411,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERTOWN DEPARTMENT OF PUBLIC WORKS serves 35,985 people · EPA ID MA3314000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 557 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

May also be available: AT&T, Starry, T-Mobile, Verizon.

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