Middlesex County and Waltham City property record for 16 Central St, Waltham, MA 02453
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,444 sqft · built 1920 |
| Lot Size | 0.037 acres (1,599 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $490,000 (May 2020) |
| Tax Bill | $6,312 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Dec 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19802 |
| Primary APN | 19802 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,444 sqft Living Area |
| Gross Area | 2,230 sqft |
| 1st Floor Area | 3,373 sqft |
| Basement Area | 722 sqft |
| Unfinished Basement | 722 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,599 sqft (0.037 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 19802 |
|---|---|
| Street Address | 16 CENTRAL ST |
| City | WALTHAM |
| State | MA |
| Zip | 02453-5404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Block | 16 |
| Legal Lot Number | 5 |
| Jurisdiction | WALTHAM MA |
| Township / Civil Division | WALTHAM |
| Census Block Group | 5 |
| Census Block | 5008 |
| Census Tract | 368800 |
Source: Middlesex County and Waltham City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 CENTRAL ST, WALTHAM, MA 02453-5404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 6, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Dec 10, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU |
| May 1, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK OF RHODE ISLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2020 · Amount on File |
| Deed Sale | May 1, 2020 · Amount on File |
| Prior Sale | Jul 10, 2014 · Amount on File |
| Deed Document Number | 202066025 |
| Deed Book / Page | 74594 / 424 |
| Prior Transfer Date | Apr 22, 2020 |
| Prior Transfer Doc | 74594-424 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 16 CENTRAL ST, WALTHAM, MA 02453-5404 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084844-292 |
|---|---|
| Date | Nov 6, 2025 |
| Book Page | 84844/292 |
| Instrument | 135983 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 16 CENTRAL ST, WALTHAM, MA 02453-5404 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73797-421 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 73797/421 |
| Instrument | 194963 |
| Name | METRO CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 169 Months |
| Due | Jan 1, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTHAM MA |
| Recording Date | May 1, 2020 |
| Property Address | 16 CENTRAL ST, WALTHAM, MA 02453-5404 |
| Document Number | 74594-424 |
| Book / Page | 74594 / 424 |
| Instrument Date | Apr 22, 2020 |
| Instrument | 66025 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 CENTRAL ST, WALTHAM, MA 02453-5404 |
| Document Number | 66026 |
|---|---|
| Date | May 1, 2020 |
| Instrument | 66026 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Waltham City |
| Unified School District | Waltham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,312.00 (+3.58%) | $611,600 (-1.45%) Land $275,600 Building $336,000 | $639,853 (-8.48%) |
| 2025 | $6,094.00 (+2.85%) | $620,600 (+0.98%) Land $251,200 Building $369,400 | $699,105 (-9.46%) |
| 2024 | $5,925.00 (+9.58%) | $614,600 (+17.31%) Land $249,600 Building $365,000 | $772,160 |
| 2023 | $5,407.00 | $523,900 Land $239,200 Building $284,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 435 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 |
| Astound Broadband Cable | 1,500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
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