14 Merrill Rd, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 14 Merrill Rd, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,094 sqft · built 1930
Lot Size	0.122 acres (5,330 sqft)
Owner	2 Individual Names on File
Last Sale	$801,000 (Dec 2013)
Tax Bill	$14,894 (2026)
Deeds & Mortgages	Feb 2021 Refinance Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20730-17`

Property Details

APN / Parcel Number

Primary APN	`20730-17`
Alternative APNs	`WATE M:0432 B:0010 L:0089` `6412`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,094 sqft Living Area
Gross Area	3,694 sqft
Basement Area	954 sqft
Unfinished Basement	954 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,330 sqft (0.122 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	6412
Street Address	14 MERRILL RD
City	WATERTOWN
State	MA
Zip	02472-1232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S-6
Legal Block	10
Legal Lot Number	89
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	4
Census Block	4002
Census Tract	370202

Owner

14 Merrill Rd is owned and occupied by two individuals who bought it in December 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 MERRILL RD, WATERTOWN, MA 02472-1232
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jul 30, 2020	Deed of Trust, Mortgage · Balloon Mortgage CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2013 · Amount on File
Deed Sale	Dec 30, 2013 · Amount on File
Prior Sale	Sep 30, 2010 · Amount on File
Deed Book / Page	63126 / 120
Transfer Doc	63126-120
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	14 MERRILL RD, WATERTOWN, MA 02472-1232
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076950-540
Date	Feb 12, 2021
Book Page	76950/540
Instrument	32626

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	14 MERRILL RD, WATERTOWN, MA 02472-1232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75255-231
Date	Jul 30, 2020
Book Page	75255/231
Instrument	126652

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 14 Merrill Rd was $14,894, up 6.7% 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	$14,894.00 (+6.71%)	$1,220,800 (+2.16%) Land $599,200 Building $621,600	$1,285,350 (-)
2025	$13,958.00 (-2.55%)	$1,195,000 (-2.39%) Land $599,200 Building $595,800	$1,285,350 (+9.05%)
2024	$14,323.00 (-6.4%)	$1,224,200 (+8.64%) Land $574,000 Building $650,200	$1,178,665
2023	$15,302.00	$1,126,800 Land $538,100 Building $588,700

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

Flood

FEMA maps place 14 Merrill Rd 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 14 Merrill Rd 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 1,029 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

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