14 Olney St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 14 Olney St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,714 sqft · built 1910
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on File
Last Sale	$875,000 (Dec 2020)
Tax Bill	$12,592 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33700-23`

Property Details

APN / Parcel Number

Primary APN	`33700-23`
Alternative APNs	`WATE M:0602 B:0024 L:0046` `7747`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,714 sqft Living Area
Gross Area	4,682 sqft
Basement Area	1,075 sqft
Unfinished Basement	1,075 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7747
Street Address	14 OLNEY ST
City	WATERTOWN
State	MA
Zip	02472-1755
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	24
Legal Lot Number	46
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3016
Census Tract	370101

Owner

14 Olney St, a duplex, is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 OLNEY ST, WATERTOWN, MA 02472-1755
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
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Dec 15, 2020	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2020 · Amount on File
Deed Sale	Dec 15, 2020 · Amount on File
Prior Transfer Date	Nov 20, 2020
Prior Transfer Doc	76432-452
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	14 OLNEY ST, WATERTOWN, MA 02472-1755
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080673-69
Date	Sep 6, 2022
Book Page	80673/69
Instrument	135737

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Dec 15, 2020
Property Address	14 OLNEY ST, WATERTOWN, MA 02472-1755
Document Number	76432-452
Book / Page	76432 / 452
Instrument Date	Nov 20, 2020
Instrument	238778
Transaction Type	Transfer
Record Updated	May 12, 2021

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	Tenants by the Entirety
Address	14 OLNEY ST # 16, 16, WATERTOWN, MA 02472-1755

Mortgage

Document Number	238779
Date	Dec 15, 2020
Instrument	238779

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 14 Olney St was $12,592, up 7.3% 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	$12,592.00 (+7.3%)	$1,032,100 (+2.73%) Land $509,400 Building $522,700	$1,035,716
2025	$11,735.00 (+10.17%)	$1,004,700 (+10.36%) Land $509,400 Building $495,300
2024	$10,652.00 (-11.32%)	$910,400 (+2.93%) Land $495,700 Building $414,700
2023	$12,012.00	$884,500 Land $474,200 Building $410,300

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

Flood

FEMA maps place 14 Olney St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 Olney 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 926 locations within half a mile, as of December 31, 2025

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

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

Nearby Properties on Olney St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures