12 Cuba St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 12 Cuba St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,744 sqft · built 1888
Lot Size	0.1 acres (4,336 sqft)
Owner	2 Individual Names on File
Last Sale	$1,130,000 (Apr 2026)
Tax Bill	$20,602 (2026)
Deeds & Mortgages	Oct 2024 Refinance Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3730-33`

Property Details

APN / Parcel Number

Primary APN	`3730-33`
Alternative APNs	`WATE M:0207 B:0005C L:0000` `4464`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	4 Half Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,744 sqft Living Area
Gross Area	5,275 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,336 sqft (0.1 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	4464
Street Address	12 CUBA ST
City	WATERTOWN
State	MA
Zip	02472-2343
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	5C
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3003
Census Tract	370103

Owner

12 Cuba St, a duplex, is owned by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 CUBA ST, 12, WATERTOWN, MA 02472-2343
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
Oct 1, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance RAYMOND C GREEN FUNDING LLC
Apr 3, 2026	Condominium Deed, Transfer · Conventional Mortgage MORTGAGE CTR LLC
Dec 27, 2023	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2026 · Amount on File
Deed Sale	Apr 3, 2026 · Amount on File
Prior Sale	Dec 27, 2023 · Amount on File
Deed Document Number	202637346
Deed Book / Page	85431 / 152
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	12 CUBA ST, WATERTOWN, MA 02472-2343
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083305-441
Date	Oct 1, 2024
Book Page	83305/441
Instrument	111573

Lender

Name	RAYMOND C GREEN FUNDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2026: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Apr 3, 2026
Property Address	12 CUBA ST, WATERTOWN, MA 02472-2343
Document Number	085431-152
Book / Page	85431 / 152
Instrument Date	Mar 31, 2026
Instrument	202637346
Transaction Type	Transfer
Record Updated	Jul 2, 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

Mortgage

Date	Apr 3, 2026

Lender

Name	MORTGAGE CTR LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.01%
Max Rate	-1%

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Dec 27, 2023
Property Address	12 CUBA ST, WATERTOWN, MA 02472-2343
Document Number	082347-596
Book / Page	82347 / 596
Instrument Date	Dec 27, 2023
Instrument	147437
Transaction Type	Transfer
Record Updated	Jan 12, 2024

Transaction

Amount	Amount 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
Address	14 HILLCREST RD, BURLINGTON, MA 01803-2409

Tax Assessment & Valuation

The 2026 property tax bill for 12 Cuba St was $20,602, up 174.1% 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	$20,602.00 (+174.11%)	$1,688,700 (+162.42%) Land $513,100 Building $1,175,600	$1,031,607
2025	$7,516.00 (-27.5%)	$643,500 (-27.38%) Land $513,100 Building $130,400
2024	$10,367.00 (-11.22%)	$886,100 (+3.05%) Land $499,300 Building $386,800
2023	$11,677.00	$859,900 Land $477,600 Building $382,300

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

Flood

FEMA maps place 12 Cuba St in Zone X, an area of minimal flood risk.

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	1 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

The area around 12 Cuba 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 610 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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