103 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 103 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 1950
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$788,000 (Sep 2020)
Tax Bill	$10,202 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`47840-14`

Property Details

APN / Parcel Number

Primary APN	`47840-14`
Alternative APNs	`WATE M:1032 B:0004 L:0051` `856`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,428 sqft Living Area
Gross Area	2,618 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2015
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	856
Street Address	103 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1991
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Subdivision	RADCLIFF TERRACE
Legal Block	4
Legal Lot Number	51
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

103 Spruce St is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	103 SPRUCE ST, WATERTOWN, MA 02472-1991
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Jul 31, 2020	Deed of Trust, Mortgage · Line of Credit ROCKLAND TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2020 · Amount on File
Deed Sale	Sep 24, 2020 · Amount on File
Prior Sale	Aug 15, 2013 · Amount on File
Deed Book / Page	75705 / 368
Prior Transfer Date	Sep 18, 2020
Prior Transfer Doc	75705-368
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Sep 24, 2020
Property Address	103 SPRUCE ST, WATERTOWN, MA 02472-1991
Document Number	75705-368
Book / Page	75705 / 368
Instrument Date	Sep 18, 2020
Instrument	169926
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	SPRUCE ST, WATERTOWN, MA

Mortgage

Document Number	169927
Date	Sep 24, 2020
Instrument	169927

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	103 SPRUCE ST, WATERTOWN, MA 02472-1991
Document Number	75299-284
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SPRUCE ST WATERTOWN MA 024721991, WATERTOWN, MA 02472-1991

Mortgage

Document Number	75299-284
Date	Aug 5, 2020
Book Page	075299/000284
Instrument	130983

Lender

Name	ROCKLAND TR

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 103 Spruce St was $10,202, up 6.5% from the year before.

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	$10,202.00 (+6.51%)	$836,200 (+1.98%) Land $494,300 Building $341,900	$1,014,980 (-)
2025	$9,578.00 (+7.99%)	$820,000 (+8.18%) Land $494,300 Building $325,700	$1,014,980 (+6.91%)
2024	$8,869.00 (-10.61%)	$758,000 (+3.75%) Land $467,000 Building $291,000	$949,335
2023	$9,922.00	$730,600 Land $446,700 Building $283,900

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

Flood

FEMA maps place 103 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 103 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.

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 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Starry.

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