Middlesex County and Watertown City property record for 109 Riverside St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,620 sqft · built 1928 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $525,000 (May 2008) |
| Tax Bill | $10,638 (2026) |
| Deeds & Mortgages | Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 43220-23 |
| Primary APN | 43220-23 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 3,104 sqft |
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 9408 |
|---|---|
| Street Address | 109 RIVERSIDE ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-2713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | T |
| Legal Block | 7 |
| Legal Lot Number | 2 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 370402 |
109 Riverside St is owned and occupied by two individuals who bought it in May 2008.
Source: Middlesex County and Watertown City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 RIVERSIDE ST, WATERTOWN, MA 02472-2713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2008 · Amount on File |
| Deed Sale | May 12, 2008 · Amount on File |
| Prior Sale | May 10, 2004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 109 RIVERSIDE ST, WATERTOWN, MA 02472-2713 |
| Document Number | 70735-292 |
| Instrument Date | Feb 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2018 |
| Name | Verified Name |
|---|
| Document Number | 70735-292 |
|---|---|
| Date | Mar 14, 2018 |
| Book Page | 070735/000292 |
| Instrument | 34417 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 109 Riverside St was $10,638, up 6.3% from the year before.
Source: Middlesex County and Watertown City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Watertown City |
| Unified School District | Watertown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,638.00 (+6.28%) | $872,000 (+1.76%) Land $468,800 Building $403,200 | $996,265 (-) |
| 2025 | $10,009.00 (+11.81%) | $856,900 (+12%) Land $468,800 Building $388,100 | $996,265 (+8.35%) |
| 2024 | $8,952.00 (-8.8%) | $765,100 (+5.85%) Land $441,800 Building $323,300 | $919,505 |
| 2023 | $9,816.00 | $722,800 Land $427,500 Building $295,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Riverside 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 |
| Community Rating System | Class 9 (5% premium discount) |
| 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.
The area around 109 Riverside 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.
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 |
| 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.
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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