111 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 111 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,258 sqft · built 1960
Lot Size	0.13 acres (5,683 sqft)
Owner	2 Trust Names on File
Tax Bill	$7,930 (2026)
Deeds & Mortgages	Oct 2019 Refinance Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`47900-22`

Property Details

APN / Parcel Number

Primary APN	`47900-22`
Alternative APNs	`WATE M:1032 B:0008 L:0047` `893`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,258 sqft Living Area
Basement Area	272 sqft
Unfinished Basement	272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,683 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	893
Street Address	111 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1991
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Block	8
Legal Lot Number	47
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

111 Spruce St, a condominium, is owner-occupied and held in a trust since November 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	111 SPRUCE ST, WATERTOWN, MA 02472-1991
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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

Date	Document
Oct 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WATERTOWN SAVINGS BANK
Nov 9, 2020	Condominium Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 3, 2020
Transfer Doc	76119-189
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	111 SPRUCE ST, WATERTOWN, MA 02472-1991
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73404-189
Date	Oct 4, 2019
Book Page	73404/189
Instrument	152694

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

November 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Nov 9, 2020
Property Address	111 SPRUCE ST, WATERTOWN, MA 02472-1991
Document Number	76119-189
Book / Page	076119 / 000189
Instrument Date	Nov 3, 2020
Instrument	8743
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	SPRUCE ST WATERTOWN MA 02472, WATERTOWN, MA 02472

Tax Assessment & Valuation

The 2026 property tax bill for 111 Spruce St was $7,930, 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	$7,930.00 (+4.45%)	$650,000 (-) Building $650,000	$794,960 (-)
2025	$7,592.00 (+9.41%)	$650,000 (+9.59%) Building $650,000	$794,960 (-2.47%)
2024	$6,939.00 (-10.42%)	$593,100 (+3.98%) Building $593,100	$815,100
2023	$7,746.00	$570,400 Building $570,400

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

Flood

FEMA maps place 111 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.

Wildfire

The area around 111 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.

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 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.

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