155 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 155 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,462 sqft · built 1925
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,195,000 (Jun 2023)
Tax Bill	$13,332 (2026)
Deeds & Mortgages	May 2026 Line of Credit May 2026 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`48110-29`

Property Details

APN / Parcel Number

Primary APN	`48110-29`
Alternative APNs	`WATE M:1032 B:0020 L:0035` `836`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,462 sqft Living Area
Gross Area	4,506 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	836
Street Address	155 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1921
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	20
Legal Lot Number	35
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

155 Spruce St, a duplex, is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	155 SPRUCE ST, WATERTOWN, MA 02472-1921
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 19, 2026	Deed of Trust, Mortgage · Line of Credit US ALLIANCE FEDERAL CREDIT UNION
May 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Mar 11, 2024	Deed of Trust, Mortgage · FHA Mortgage E MORTGAGE MANAGEMENT LLC
Sep 23, 2025	Deed of Trust, Mortgage · FHA Mortgage EMM LOANS LLC
Jun 27, 2023	Quit Claim Deed, Transfer · FHA Mortgage E MORTGAGE MANAGEMENT LLC
Apr 14, 2020	Deed of Trust, Mortgage · ARM TD BANK NA
Oct 5, 2017	Quit Claim Deed, Transfer FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2023 · Amount on File
Deed Sale	Jun 27, 2023 · Amount on File
Prior Sale	Oct 5, 2017 · Amount on File
Deed Document Number	202368910
Deed Book / Page	81698 / 347
Prior Transfer Date	Jun 26, 2023
Prior Transfer Doc	081698-347
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Recording Date	May 19, 2026
Property Address	155 SPRUCE ST, WATERTOWN, MA 02472-1921
Document Number	085614-561
Book / Page	85614 / 561
Instrument Date	May 14, 2026
Instrument	202657429
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 SPRUCE ST, WATERTOWN, MA 02472-1921
Investor	Possibly a Property Investor

Mortgage

Document Number	0000057429,
Date	May 19, 2026
Book Page	85614/561
Instrument	202657429

Lender

Name	US ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Recording Date	May 19, 2026
Property Address	155 SPRUCE ST, WATERTOWN, MA 02472-1921
Document Number	085614-428
Book / Page	85614 / 428
Instrument Date	May 14, 2026
Instrument	202657415
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 SPRUCE ST, WATERTOWN, MA 02472-1921
Investor	Possibly a Property Investor

Mortgage

Document Number	0000057415,
Date	May 19, 2026
Book Page	85614/428
Instrument	202657415

Lender

Name	EMM LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	155 SPRUCE ST, WATERTOWN, MA 02472-1921
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082555-103
Date	Mar 11, 2024
Book Page	82555/103
Instrument	23703

Lender

Name	E MORTGAGE MANAGEMENT LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	155 SPRUCE ST, WATERTOWN, MA 02472-1921
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084644-120
Date	Sep 23, 2025
Book Page	84644/120
Instrument	114854

Lender

Name	EMM LOANS LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jun 27, 2023
Property Address	155 SPRUCE ST, WATERTOWN, MA 02472-1921
Document Number	081698-347
Book / Page	81698 / 347
Instrument Date	Jun 26, 2023
Instrument	68910
Transaction Type	Transfer
Record Updated	Jul 19, 2023

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	155 SPRUCE ST, WATERTOWN, MA 02472-1921

Mortgage

Document Number	0000068911
Date	Jun 27, 2023
Instrument	68911

Lender

Name	E MORTGAGE MANAGEMENT LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	155 SPRUCE ST, WATERTOWN, MA 02472-1921
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74464-148
Date	Apr 14, 2020
Book Page	74464/148
Instrument	54831

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	May 1, 2030

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Oct 5, 2017
Property Address	155 SPRUCE ST, WATERTOWN, MA 02472-1921
Document Number	70040-187
Book / Page	070040 / 000187
Instrument Date	Sep 19, 2017
Instrument	1943
Transaction Type	Transfer
Record Updated	Oct 24, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,555.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	155 SPRUCE ST WATERTOWN MA 024721921, WATERTOWN, MA 02472-1921

Mortgage

Document Number	70040-189
Date	Oct 5, 2017
Book Page	070040/000189
Instrument	1944

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2047

Interest

Rate	3.75%

Tax Assessment & Valuation

The 2026 property tax bill for 155 Spruce St was $13,332, up 7.1% 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	$13,332.00 (+7.14%)	$1,092,800 (+2.58%) Land $520,300 Building $572,500	$1,162,710
2025	$12,443.00 (+9.75%)	$1,065,300 (+9.93%) Land $520,300 Building $545,000
2024	$11,338.00 (-11.41%)	$969,100 (+2.82%) Land $506,400 Building $462,700
2023	$12,799.00	$942,500 Land $484,400 Building $458,100

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

Flood

FEMA maps place 155 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 155 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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