140 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 140 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,576 sqft · built 1970
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$925,000 (Jun 2021)
Tax Bill	$12,363 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage May 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`48030-29`

Property Details

APN / Parcel Number

Primary APN	`48030-29`
Alternative APNs	`WATE M:1031 B:0031 L:0014` `807`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,576 sqft Living Area
Gross Area	4,218 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	807
Street Address	140 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1920
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	31
Legal Lot Number	14
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1003
Census Tract	370401

Owner

140 Spruce St, a duplex, is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	140 SPRUCE ST, WATERTOWN, MA 02472-1920
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
Jun 29, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
May 20, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2021 · Amount on File
Deed Sale	Jun 29, 2021 · Amount on File
Prior Transfer Date	Jun 28, 2021
Prior Transfer Doc	078122-355
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jun 29, 2021
Property Address	140 SPRUCE ST, WATERTOWN, MA 02472-1920
Document Number	078122-355
Book / Page	78122 / 355
Instrument Date	Jun 28, 2021
Instrument	146108
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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	140 SPRUCE ST # 142, 142, WATERTOWN, MA 02472-1920

Mortgage

Document Number	0000146109
Date	Jun 29, 2021
Instrument	146109

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	May 20, 2021
Property Address	140 SPRUCE ST, WATERTOWN, MA 02472-1920
Document Number	077823-166
Book / Page	77823 / 166
Instrument Date	May 18, 2021
Instrument	115116
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	59 CRIMSON RD, BILLERICA, MA 01821-5414

Tax Assessment & Valuation

The 2026 property tax bill for 140 Spruce St was $12,363, 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	$12,363.00 (+7.26%)	$1,013,400 (+2.7%) Land $520,300 Building $493,100	$1,003,155
2025	$11,526.00 (+9.47%)	$986,800 (+9.66%) Land $520,300 Building $466,500
2024	$10,529.00 (-11.24%)	$899,900 (+3.02%) Land $506,400 Building $393,500
2023	$11,862.00	$873,500 Land $484,400 Building $389,100

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

Flood

FEMA maps place 140 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.

Wildfire

The area around 140 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.

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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