109 Spring St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 109 Spring St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,704 sqft · built 2007
Lot Size	0.158 acres (6,920 sqft)
Owner	Individual Name on Record
Last Sale	$875,000 (Jul 2023)
Tax Bill	$9,344 (2025)
Deeds & Mortgages	Jan 2025 Refinance Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10513`

Property Details

APN / Parcel Number

Primary APN	`10513`
Alternative APN	`WATE M:1009 B:0013A L:0000C`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,704 sqft Living Area
Gross Area	2,411 sqft
Basement Area	707 sqft
Unfinished Basement	707 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Other
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,920 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10513
Street Address	109 SPRING ST
City	WATERTOWN
State	MA
Zip	02472-3462
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R.75
Legal Block	13A
Legal Lot Number	C
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2012
Census Tract	370103

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	109 SPRING ST, WATERTOWN, MA 02472-3462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jul 19, 2023	Condominium Deed, Transfer · Stand-Alone First Mortgage AMWEST FUNDING CORP.
Apr 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2023 · Amount on Record
Deed Sale	Jul 19, 2023 · Amount on Record
Prior Sale	May 13, 2015 · Amount on Record
Deed Book / Page	81790 / 30
Transfer Doc	49305-439
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	109 SPRING ST, WATERTOWN, MA 02472-3462
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083654-189
Date	Jan 7, 2025
Book Page	83654/189
Instrument	1562

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

July 2023: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jul 19, 2023
Property Address	109 SPRING ST, WATERTOWN, MA 02472-3462
Document Number	0081790-30
Book / Page	81790 / 30
Instrument Date	Jul 19, 2023
Instrument	79806
Transaction Type	Transfer
Record Updated	Aug 4, 2023

Transaction

Amount	Amount Recorded
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	109 SPRING ST, WATERTOWN, MA 02472-3462

Mortgage

Document Number	0000079807
Date	Jul 19, 2023
Instrument	79807

Lender

Name	AMWEST FUNDING CORP.

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	8.88%
Type Change Date	Aug 1, 2030
Max Rate At Change	4%
Index	Other
Margin	4

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	109 SPRING ST, WATERTOWN, MA 02472-3462
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74575-223
Date	Apr 30, 2020
Book Page	74575/223
Instrument	64047

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

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
2025	$9,344.00 (+1.63%)	$800,000 (+1.81%) Building $800,000	$944,585 (+15.62%)
2024	$9,194.00 (-9.84%)	$785,800 (+4.65%) Building $785,800	$817,000
2023	$10,197.00	$750,900 Building $750,900

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

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

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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