174 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 174 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,423 sqft · built 1910
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$14,341 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Jan 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48200-25`

Property Details

APN / Parcel Number

Primary APN	`48200-25`
Alternative APNs	`WATE M:1031 B:0023 L:0022` `798`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	16 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,423 sqft Living Area
Gross Area	5,214 sqft
Basement Area	1,213 sqft
Unfinished Basement	1,213 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	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	798
Street Address	174 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1986
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	T
Legal Subdivision	WATERTOWN
Legal Block	23
Legal Lot Number	22
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1003
Census Tract	370401

Owner

174 Spruce St, a triplex, is owned and occupied by two individuals who acquired it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	174 SPRUCE ST, WATERTOWN, MA 02472-1986
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Aug 4, 2022	Deed of Trust, Mortgage · Line of Credit WATERTOWN SAVINGS BANK
Jan 24, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 24, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 24, 2020
Transfer Doc	74037-448
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	174 SPRUCE ST, WATERTOWN, MA 02472-1986
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080539-152
Date	Aug 4, 2022
Book Page	80539/152
Instrument	119926

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jan 24, 2020
Property Address	174 SPRUCE ST, WATERTOWN, MA 02472-1986
Document Number	74037-451
Book / Page	074037 / 000451
Instrument Date	Jan 24, 2020
Instrument	11839
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 SPRUCE ST WATERTOWN MA 024721986, WATERTOWN, MA 02472-1986

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jan 24, 2020
Property Address	174 SPRUCE ST, WATERTOWN, MA 02472-1986
Document Number	74037-448
Book / Page	074037 / 000448
Instrument Date	Jan 24, 2020
Instrument	11838
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 SPRUCE ST WATERTOWN MA 024721986, WATERTOWN, MA 02472-1986

Tax Assessment & Valuation

The 2026 property tax bill for 174 Spruce St was $14,341, up 9.7% 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
2026	$14,341.00 (+9.68%)	$1,175,500 (+5.01%) Land $520,300 Building $655,200
2025	$13,075.00 (+5.37%)	$1,119,400 (+5.54%) Land $520,300 Building $599,100
2024	$12,409.00 (-11.97%)	$1,060,600 (+2.18%) Land $521,100 Building $539,500
2023	$14,096.00	$1,038,000 Land $498,500 Building $539,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 174 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 174 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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