113 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 113 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 979 sqft · built 1960
Lot Size	0.13 acres (5,683 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (May 2024)
Tax Bill	$6,607 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit May 2024 Sale & Mortgage + 1 more
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:0047B` `10930`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	979 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Condo/Apartment
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	10930
Street Address	113 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	47B
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

113 Spruce St, a condominium, is owned by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	113 SPRUCE ST, 2, WATERTOWN, MA 02472-1991
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Aug 30, 2023	Deed of Trust, Mortgage · Line of Credit EASTHAMPTON SAVINGS BANK
May 2, 2024	Condominium Deed, Transfer · Commercial Mortgage WATERTOWN SAVINGS BANK
Oct 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2024 · Amount on File
Deed Sale	May 2, 2024 · Amount on File
Prior Sale	May 4, 2017 · Amount on File
Deed Book / Page	82730 / 136
Transfer Doc	069236-124
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	113 SPRUCE ST, WATERTOWN, MA 02472-1991
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081944-84
Date	Aug 30, 2023
Book Page	81944/84
Instrument	97811

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate

May 2024: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	May 2, 2024
Property Address	113 SPRUCE ST, WATERTOWN, MA 02472-1991
Document Number	082730-136
Book / Page	82730 / 136
Instrument Date	May 2, 2024
Instrument	44872
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	113 SPRUCE ST # 2, 2, WATERTOWN, MA 02472-1991

Mortgage

Document Number	0000000044
Date	May 2, 2024
Instrument	44

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	113 SPRUCE ST, WATERTOWN, MA 02472-1991
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73506-524
Date	Oct 23, 2019
Book Page	73506/524
Instrument	163492

Lender

Name	ENVISION BANK

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 113 Spruce St was $6,607, up 1.2% 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
2025	$6,607.00 (+1.18%)	$565,700 (+1.36%) Building $565,700	$600,210 (+12.32%)
2024	$6,530.00 (-10.43%)	$558,100 (+3.97%) Building $558,100	$534,375
2023	$7,290.00	$536,800 Building $536,800

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

Flood

FEMA maps place 113 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 113 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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