11 James St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 11 James St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,626 sqft · built 1983
Lot Size	0.138 acres (6,040 sqft)
Owner	Individual Name on Record
Last Sale	$977,500 (Apr 2025)
Tax Bill	$10,720 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71069-15`

Property Details

APN / Parcel Number

Primary APN	`71069-15`
Alternative APNs	`WATE M:0525 B:0012D L:0011` `7206`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area
Gross Area	2,558 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	6,040 sqft (0.138 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7206
Street Address	11 JAMES ST
City	WATERTOWN
State	MA
Zip	02472-1038
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Block	12D
Legal Lot Number	11
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1009
Census Tract	370101

Owner

Source: Middlesex County and Watertown City records, as of October 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	11 JAMES ST, 11, WATERTOWN, MA 02472-1038
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · ARM METRO CU
Apr 10, 2024	Quit Claim Deed, Transfer Quitclaim
Dec 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Feb 28, 2019	Condominium Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2025 · Amount on Record
Deed Sale	Apr 17, 2025 · Amount on Record
Prior Sale	Feb 28, 2019 · Amount on Record
Deed Book / Page	83981 / 493
Prior Transfer Date	Apr 9, 2024
Prior Transfer Doc	082652-500
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	11 JAMES ST, WATERTOWN, MA 02472-1038
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077251-577
Date	Mar 17, 2021
Book Page	77251/577
Instrument	59590

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Apr 1, 2026
Index	LIBOR

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Apr 10, 2024
Property Address	11 JAMES ST, WATERTOWN, MA 02472-1038
Document Number	082652-500
Book / Page	82652 / 500
Instrument Date	Apr 9, 2024
Instrument	35747
Transaction Type	Transfer
Record Updated	Apr 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	11 JAMES ST, WATERTOWN, MA 02472-1038
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73890-439
Date	Dec 24, 2019
Book Page	73890/439
Instrument	205503

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

February 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Feb 28, 2019
Property Address	11 JAMES ST, WATERTOWN, MA 02472-1038
Document Number	72282-256
Book / Page	072282 / 000256
Instrument Date	Feb 5, 2019
Instrument	25316
Transaction Type	Transfer
Record Updated	Mar 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,973.12
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 JAMES ST #11 WATERTOWN MA 024721038, 11, WATERTOWN, MA 02472-1038

Mortgage

Document Number	72282-261
Date	Feb 28, 2019
Book Page	072282/000261
Instrument	25317

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2049

Interest

Rate Type	Adjustable Rate

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
2026	$10,720.00 (+32.1%)	$878,700 (+26.47%) Building $878,700	$873,301 (-5.34%)
2025	$8,115.00 (+6.4%)	$694,800 (+6.58%) Building $694,800	$922,545 (+15.9%)
2024	$7,627.00 (-10.61%)	$651,900 (+3.76%) Building $651,900	$796,005
2023	$8,532.00	$628,300 Building $628,300

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 · 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

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 680 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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