17 Smith St, Waltham, MA 02451 Property Records

Middlesex County and Waltham City property record for 17 Smith St, Waltham, MA 02451

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,000 sqft · built 1963
Lot Size	0.491 acres (21,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,900 (Apr 2015)
Tax Bill	$8,172 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit May 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105479`

Property Details

APN / Parcel Number

Primary APN	`105479`
Alternative APN	`WALT M:012 B:003 L:0017`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	2,700 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,405 sqft (0.491 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	105479
Street Address	17 SMITH ST
City	WALTHAM
State	MA
Zip	02451-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Block	3
Legal Lot Number	17
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	2
Census Block	2006
Census Tract	368101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	17 SMITH ST, WALTHAM, MA 02451-1355
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
May 18, 2017	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SVGS BK
Mar 16, 2018	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SVGS BK
Jun 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2015 · Amount on Record
Deed Sale	Apr 15, 2015 · Amount on Record
Prior Sale	Nov 26, 2012 · Amount on Record
Deed Book / Page	65220 / 287
Transfer Doc	065220-287
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	17 SMITH ST, WALTHAM, MA 02451-1355
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077434-265
Date	Apr 6, 2021
Book Page	77434/265
Instrument	76517

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	17 SMITH ST, WALTHAM, MA 02451-1355
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69300-292
Date	May 18, 2017
Book Page	69300/292
Instrument	73877

Lender

Name	CAMBRIDGE SVGS BK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2037

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	17 SMITH ST, WALTHAM, MA 02451-1355
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70746-191
Date	Mar 16, 2018
Book Page	70746/191
Instrument	35830

Lender

Name	CAMBRIDGE SVGS BK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2038

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	17 SMITH ST, WALTHAM, MA 02451-1355
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74798-506
Date	Jun 2, 2020
Book Page	74798/506
Instrument	83936

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2040

Tax Assessment & Valuation

Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Waltham City
Unified School District	Waltham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,172.00 (+6.5%)	$791,900 (+1.34%) Land $520,200 Building $271,700	$749,598 (-7.76%)
2025	$7,673.00 (+5.78%)	$781,400 (+3.84%) Land $496,600 Building $284,800	$812,630 (+8.1%)
2024	$7,254.00 (+0.85%)	$752,500 (+7.96%) Land $472,900 Building $279,600	$751,735
2023	$7,193.00	$697,000 Land $431,800 Building $265,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	21 (1996–2018)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Jan 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 11 claims Severe Storms And Flooding, Mar 2001 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

May also be available: AT&T, T-Mobile.

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