112 School St, #114, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 112 School St, #114, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,138 sqft · built 1900
Lot Size	0.096 acres (4,173 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Apr 1999)
Tax Bill	$10,013 (2026)
Deeds & Mortgages	Oct 2020 Refinance Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`47190-13`

Property Details

APN / Parcel Number

Primary APN	`47190-13`
Alternative APNs	`WATE M:1031 B:0020 L:0025` `794`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,138 sqft Living Area
Gross Area	4,400 sqft
Basement Area	1,015 sqft
Unfinished Basement	1,015 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,173 sqft (0.096 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	794
Street Address	112 SCHOOL ST, 114
City	WATERTOWN
State	MA
Zip	02472-4248
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	20
Legal Lot Number	25
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1003
Census Tract	370401

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	114 SCHOOL ST, WATERTOWN, MA 02472-4248
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WATERTOWN SAVINGS BANK
Aug 9, 2017	Deed of Trust, Mortgage · Line of Credit WATERTOWN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 1999 · Amount on Record
Deed Sale	Apr 29, 1999 · Amount on Record
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	112-114 SCHOOL ST, WATERTOWN, MA 02472
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75961-536
Date	Oct 23, 2020
Book Page	75961/536
Instrument	194029

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	112-114 SCHOOL ST, WATERTOWN, MA 02472
Document Number	69764-441
Book / Page	069764 / 000441
Instrument Date	Aug 9, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69764-441
Date	Aug 14, 2017
Book Page	069764/000441
Instrument	129262

Lender

Name	WATERTOWN SVGS BK
Type	Federal Savings Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$10,013.00 (+7.26%)	$820,700 (+2.69%) Land $386,900 Building $433,800	$922,711
2025	$9,335.00 (+13.1%)	$799,200 (+13.28%) Land $386,900 Building $412,300
2024	$8,254.00 (-12.5%)	$705,500 (+1.57%) Land $375,000 Building $330,500
2023	$9,433.00	$694,600 Land $367,800 Building $326,800

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 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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