166 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 166 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,985 sqft · built 1880
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$915,000 (Nov 2022)
Tax Bill	$12,598 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`48160-09`

Property Details

APN / Parcel Number

Primary APN	`48160-09`
Alternative APNs	`WATE M:1031 B:0025 L:0020` `800`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	14 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,985 sqft Living Area
Gross Area	4,480 sqft
Basement Area	1,043 sqft
Unfinished Basement	1,043 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	800
Street Address	166 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1920
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Subdivision	RADCLIFF TERRACE
Legal Block	25
Legal Lot Number	20
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1003
Census Tract	370401

Owner

166 Spruce St, a duplex, is owned by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	512 PARK DR, 15710, BOSTON, MA 02215-5621
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
Nov 1, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK
Jun 28, 2017	Deed of Trust, Mortgage · Line of Credit RTN FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2022 · Amount on File
Deed Sale	Nov 1, 2022 · Amount on File
Prior Transfer Date	Oct 31, 2022
Prior Transfer Doc	080902-523
Record Updated	Oct 29, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Nov 1, 2022
Property Address	166 SPRUCE ST, WATERTOWN, MA 02472-1920
Document Number	080902-523
Book / Page	80902 / 523
Instrument Date	Oct 31, 2022
Instrument	163060
Transaction Type	Transfer
Record Updated	Nov 18, 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	166 SPRUCE ST, WATERTOWN, MA 02472-1920

Mortgage

Document Number	0000163061
Date	Nov 1, 2022
Instrument	163061

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Type Change Date	Nov 1, 2029
Max Rate At Change	2.75%
Index	Other

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	166 SPRUCE ST, WATERTOWN, MA 02472-1920
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69517-360
Date	Jun 28, 2017
Book Page	69517/360
Instrument	99583

Lender

Name	RTN FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 166 Spruce St was $12,598, 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	$12,598.00 (+7.07%)	$1,032,600 (+2.5%) Land $520,300 Building $512,300	$1,083,810
2025	$11,766.00 (+12.55%)	$1,007,400 (+12.75%) Land $520,300 Building $487,100
2024	$10,454.00 (-11.21%)	$893,500 (+3.06%) Land $506,400 Building $387,100
2023	$11,774.00	$867,000 Land $484,400 Building $382,600

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

Flood

FEMA maps place 166 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 166 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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