168 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 168 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,531 sqft · built 1910
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Trust Names on File
Tax Bill	$12,431 (2026)
Deeds & Mortgages	Nov 2022 Refinance Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48170-05`

Property Details

APN / Parcel Number

Primary APN	`48170-05`
Alternative APNs	`WATE M:1031 B:0024 L:0021` `799`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,531 sqft Living Area
Gross Area	4,960 sqft
Basement Area	1,125 sqft
Unfinished Basement	1,125 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
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	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	799
Street Address	168 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1920
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	24
Legal Lot Number	21
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1003
Census Tract	370401

Owner

168 Spruce St, a duplex, is held in a trust since January 2004.

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

Owner of Record	2 Trust Names on File
Mailing Address	8 BARTLETT WAY, 4, WALTHAM, MA 02452-7924
Owner Type	Company
Vesting	Trust

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 30, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SKYLINE LENDING T
Jan 10, 2022	Deed of Trust, Mortgage · Commercial Mortgage APEX CAPITAL LLC
Dec 29, 2020	Deed of Trust, Mortgage · Commercial Mortgage APEX CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2004
Deed Sale	Jan 16, 2004
Prior Sale	Jan 14, 1999 · Amount on File
Deed Document Number	200412112
Deed Book / Page	1792 / 218
Transfer Doc	53690-91
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	168 SPRUCE ST, WATERTOWN, MA 02472-1920
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080999-81
Date	Nov 30, 2022
Book Page	80999/81
Instrument	174543

Lender

Name	SKYLINE LENDING T

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	168 SPRUCE ST, WATERTOWN, MA 02472-1920
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00079509-1
Date	Jan 10, 2022
Book Page	79509/1
Instrument	4916

Lender

Name	APEX CAPITAL LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	168 SPRUCE ST, WATERTOWN, MA 02472-1920
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76568-236
Date	Dec 29, 2020
Book Page	76568/236
Instrument	251184

Lender

Name	APEX CAPITAL LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 168 Spruce St was $12,431, 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	$12,431.00 (+7.35%)	$1,018,900 (+2.77%) Land $520,300 Building $498,600	$999,314
2025	$11,580.00 (+10.76%)	$991,400 (+10.94%) Land $520,300 Building $471,100
2024	$10,455.00 (-11.23%)	$893,600 (+3.04%) Land $506,400 Building $387,200
2023	$11,777.00	$867,200 Land $484,400 Building $382,800

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

Flood

FEMA maps place 168 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 168 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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