Middlesex County and Watertown City property record for 109 Spruce St, Watertown, MA 02472
| Property Type | Triplex |
|---|---|
| Details | 6 bd · 3 ba · 3,592 sqft · built 1898 |
| Lot Size | 0.128 acres (5,562 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $14,178 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 47890-31 |
| Primary APN | 47890-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 15 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 3,592 sqft Living Area |
| Gross Area | 6,488 sqft |
| Basement Area | 1,406 sqft |
| Unfinished Basement | 1,406 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,562 sqft (0.128 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 887 |
|---|---|
| Street Address | 109 SPRUCE ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1946 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | T |
| Legal Block | 7 |
| Legal Lot Number | 48 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 370401 |
109 Spruce St, a triplex, is owned by an individual.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 295 CHANNING RD, BELMONT, MA 02478-4157 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 109 Spruce St was $14,178, up 9.5% 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 |
|---|---|---|
| 2026 | $14,178.00 (+9.48%) | $1,162,100 (+4.82%) Land $499,900 Building $662,200 |
| 2025 | $12,950.00 (+5.96%) | $1,108,700 (+6.14%) Land $499,900 Building $608,800 |
| 2024 | $12,222.00 (-12.01%) | $1,044,600 (+2.13%) Land $500,900 Building $543,700 |
| 2023 | $13,890.00 | $1,022,800 Land $479,100 Building $543,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 109 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.
The area around 109 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures