115 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 115 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,732 sqft · built 1929
Lot Size	0.13 acres (5,683 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Apr 1992)
Tax Bill	$11,894 (2026)
Deeds & Mortgages	Jun 2020 Refinance May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47910-18`

Property Details

APN / Parcel Number

Primary APN	`47910-18`
Alternative APNs	`WATE M:1032 B:0009 L:0046` `894`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,732 sqft Living Area
Gross Area	3,960 sqft
Basement Area	1,138 sqft
Unfinished Basement	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Other
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,683 sqft (0.13 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	894
Street Address	115 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1991
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	9
Legal Lot Number	46
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

115 Spruce St is owned and occupied by two individuals who bought it in April 1992.

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

Owner of Record	2 Individual Names on File
Mailing Address	115 SPRUCE ST, WATERTOWN, MA 02472-1991
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
May 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 1992 · Amount on File
Deed Sale	Apr 30, 1992 · Amount on File
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	115 SPRUCE ST, WATERTOWN, MA 02472-1991
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0074836-16
Date	Jun 8, 2020
Book Page	74836/16
Instrument	87869

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	115 SPRUCE ST, WATERTOWN, MA 02472-1991
Document Number	71102-471
Instrument Date	May 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 SPRUCE ST WATERTOWN MA 024721921, WATERTOWN, MA 02472-1921

Mortgage

Document Number	71102-471
Date	Jun 4, 2018
Book Page	071102/000471
Instrument	78728

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 115 Spruce St was $11,894, up 13.1% 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	$11,894.00 (+13.1%)	$974,900 (+8.29%) Land $527,400 Building $447,500	$946,675 (-)
2025	$10,516.00 (+8.86%)	$900,300 (+9.05%) Land $527,400 Building $372,900	$946,675 (+13.05%)
2024	$9,660.00 (-8.13%)	$825,600 (+6.63%) Land $498,700 Building $326,900	$837,425
2023	$10,515.00	$774,300 Land $477,000 Building $297,300

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

Flood

FEMA maps place 115 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 115 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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