13 Palmer St, #15, Waltham, MA 02451 Property Records

Middlesex County and Waltham City property record for 13 Palmer St, #15, Waltham, MA 02451

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,298 sqft · built 1910
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$710,000 (Oct 2018)
Tax Bill	$9,543 (2025)
Deeds & Mortgages	Dec 2020 Refinance Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85785`

Property Details

APN / Parcel Number

Primary APN	`85785`
Alternative APN	`WALT M:058 B:007 L:0006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,298 sqft Living Area
Gross Area	4,764 sqft
Basement Area	1,149 sqft
Unfinished Basement	1,149 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	85785
Street Address	13 PALMER ST, 15
City	WALTHAM
State	MA
Zip	02451-3618
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	1
Legal Block	7
Legal Lot Number	6
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	3
Census Block	3004
Census Tract	368300

Owner

13 Palmer St, #15 is owned by two individuals who acquired it in December 2020.

Source: Middlesex County and Waltham City records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	119 RAFFAELE DR, WALTHAM, MA 02452-0314
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Oct 31, 2018	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on File
Deed Sale	Oct 31, 2018 · Amount on File
Prior Sale	Feb 18, 2015 · Amount on File
Last Transfer Date	Dec 4, 2020
Transfer Doc	0001863477
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	13-15 PALMER ST, WALTHAM, MA 02451
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001863478
Date	Dec 10, 2020
Instrument	1863478

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	Oct 31, 2018
Property Address	13-15 PALMER ST, WALTHAM, MA 02451
Document Number	0000000689
Instrument Date	Oct 29, 2018
Instrument	689
Transaction Type	Transfer
Record Updated	Nov 22, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,237.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 RAFFAELE DR WALTHAM MA 024520314, WALTHAM, MA 02452-0314

Mortgage

Document Number	690
Date	Oct 31, 2018
Instrument	690

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2048

Interest

Rate	4.88%

Tax Assessment & Valuation

The 2025 property tax bill for 13 Palmer St, #15 was $9,543, up 8% from the year before.

Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Waltham City
Unified School District	Waltham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$9,543.00 (+8.04%)	$971,800 (+6.06%) Land $338,100 Building $633,700
2024	$8,833.00 (+8.66%)	$916,300 (+16.33%) Land $336,000 Building $580,300
2023	$8,129.00	$787,700 Land $322,000 Building $465,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 13 Palmer St, #15 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 13 Palmer St, #15 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	WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	2 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	1 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 701 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50

May also be available: AT&T, T-Mobile.

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