Middlesex County and Watertown City property record for 120 Spruce St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,954 sqft · built 1910 |
| Lot Size | 0.157 acres (6,836 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $12,964 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 47940-06 |
| Primary APN | 47940-06 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,954 sqft Living Area |
| Gross Area | 3,354 sqft |
| Basement Area | 1,048 sqft |
| Unfinished Basement | 1,048 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Victorian |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,836 sqft (0.157 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 812 |
|---|---|
| Street Address | 120 SPRUCE ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1992 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | T |
| Legal Block | 36 |
| Legal Lot Number | 9 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 370401 |
120 Spruce St is owner-occupied and held in a trust since August 2013.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 120 SPRUCE ST, WATERTOWN, MA 02472-1992 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2013 |
| Deed Sale | Aug 28, 2013 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 120 Spruce St was $12,964, up 4.5% from the year before.
Source: Middlesex County and Watertown City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Watertown City |
| Unified School District | Watertown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,964.00 (+4.46%) | $1,062,600 (-) Land $540,600 Building $522,000 | $1,269,485 (-) |
| 2025 | $12,411.00 (+12.48%) | $1,062,600 (+12.67%) Land $540,600 Building $522,000 | $1,269,485 (+31.55%) |
| 2024 | $11,034.00 (-6.59%) | $943,100 (+8.43%) Land $510,600 Building $432,500 | $965,010 |
| 2023 | $11,812.00 | $869,800 Land $488,400 Building $381,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 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.
The area around 120 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.
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 |
| 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.
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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