108 Duff St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 108 Duff St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 874 sqft · built 1940
Lot Size	6.65 acres (289,792 sqft)
Owner	2 Individual Names on File
Last Sale	$449,000 (Jul 2019)
Tax Bill	$5,819 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`73630-02`

Property Details

APN / Parcel Number

Primary APN	`73630-02`
Alternative APNs	`WATE M:0543 B:0003 L:1012` `7557`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	874 sqft Living Area
Gross Area	1,431 sqft
Basement Area	437 sqft
Unfinished Basement	437 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Other
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	289,792 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7557
Street Address	108 DUFF ST
City	WATERTOWN
State	MA
Zip	02472-3017
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R.75
Legal Subdivision	THE VILLAGE
Legal Block	3
Legal Lot Number	1012
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1024
Census Tract	370101

Owner

108 Duff St, a condominium, is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	108 DUFF ST, WATERTOWN, MA 02472-3017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2019 · Amount on File
Deed Sale	Jul 18, 2019 · Amount on File
Prior Sale	Apr 2, 1998 · Amount on File
Deed Document Number	2019102620
Deed Book / Page	72946 / 495
Prior Transfer Date	Jul 17, 2019
Prior Transfer Doc	72946-495
Record Updated	Oct 29, 2026

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jul 18, 2019
Property Address	108 DUFF ST, WATERTOWN, MA 02472-3017
Document Number	72946-495
Book / Page	72946 / 495
Instrument Date	Jul 17, 2019
Instrument	102620
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	108 DUFF ST # 194, 194, WATERTOWN, MA 02472-3017

Mortgage

Document Number	102621
Date	Jul 18, 2019
Instrument	102621

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 108 Duff St was $5,819, up 4.5% 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	$5,819.00 (+4.45%)	$477,000 (-) Building $477,000	$546,345 (-)
2025	$5,571.00 (-0.57%)	$477,000 (-0.4%) Building $477,000	$546,345 (+1.93%)
2024	$5,603.00 (-7.75%)	$478,900 (+7.06%) Building $478,900	$535,990
2023	$6,074.00	$447,300 Building $447,300

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

Flood

FEMA maps place 108 Duff St in Zone X, an area of minimal flood risk.

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

The area around 108 Duff 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 856 locations within half a mile, as of December 31, 2025

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