130 School St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 130 School St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,888 sqft · built 1912
Lot Size	0.125 acres (5,450 sqft)
Owner	Individual Name on Record
Last Sale	$276,000 (Jan 2025)
Tax Bill	$12,740 (2026)
Deeds & Mortgages	Jun 2025 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`47220-33`

Property Details

APN / Parcel Number

Primary APN	`47220-33`
Alternative APNs	`WATE M:1030 B:0017 L:0114` `773`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,888 sqft Living Area
Gross Area	5,632 sqft
Basement Area	1,210 sqft
Unfinished Basement	1,210 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,450 sqft (0.125 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	773
Street Address	130 SCHOOL ST
City	WATERTOWN
State	MA
Zip	02472-4249
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	17
Legal Lot Number	114
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1010
Census Tract	370401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	130 SCHOOL ST, WATERTOWN, MA 02472-4249
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2025	Deed of Trust, Mortgage GUARANTEED RATE INC
Dec 26, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage CAMBRIDGE SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2025 · Amount on Record
Deed Sale	Jan 24, 2025 · Amount on Record
Deed Document Number	20251970970
Prior Transfer Date	Aug 28, 2024
Prior Transfer Doc	0001970970
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	130 SCHOOL ST, WATERTOWN, MA 02472-4249
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001978468
Date	Jun 6, 2025
Instrument	1978468

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Apr 1, 2032
Index	Other
Margin	3

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	130 SCHOOL ST, WATERTOWN, MA 02472-4249
Document Number	0001834390
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 SCHOOL ST WATERTOWN MA 024724249, WATERTOWN, MA 02472-4249

Mortgage

Document Number	0001834390
Date	Jan 16, 2020
Instrument	1834390

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	130 SCHOOL ST, WATERTOWN, MA 02472-4249
Document Number	0000030323
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 SCHOOL ST WATERTOWN MA 024724249, WATERTOWN, MA 02472-4249

Mortgage

Document Number	0000030323
Date	Dec 3, 2019
Instrument	30323

Lender

Name	CAMBRIDGE SVGS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2049

Tax Assessment & Valuation

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	$12,740.00 (+7.67%)	$1,044,300 (+3.08%) Land $397,300 Building $647,000	$1,083,570
2025	$11,833.00 (+14.37%)	$1,013,100 (+14.57%) Land $397,300 Building $615,800
2024	$10,346.00 (-12.64%)	$884,300 (+1.4%) Land $385,200 Building $499,100
2023	$11,843.00	$872,100 Land $377,800 Building $494,300

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

Flood

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

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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