Middlesex County and Watertown City property record for 18 Stuart St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,803 sqft · built 1930 |
| Lot Size | 0.158 acres (6,900 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $11,972 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34570-32 |
| Primary APN | 34570-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,803 sqft Living Area |
| Gross Area | 4,330 sqft |
| Basement Area | 984 sqft |
| Unfinished Basement | 984 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,900 sqft (0.158 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 8258 |
|---|---|
| Street Address | 18 STUART ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S-6 |
| Legal Block | 3 |
| Legal Lot Number | 40D |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 370101 |
Source: Middlesex County and Watertown City records, as of July 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 | 18 STUART ST, WATERTOWN, MA 02472-1630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOAN |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Mar 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Jul 9, 2026 |
| Property Address | 18 STUART ST, WATERTOWN, MA 02472-1630 |
| Document Number | 0002003663 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 20262003663 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 18 STUART ST, WATERTOWN, MA 02472-1630 |
| Document Number | 0002003663, |
|---|---|
| Date | Jul 9, 2026 |
| Instrument | 20262003663 |
| Name | THIRD FEDERAL SAVINGS AND LOAN |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 18 STUART ST, WATERTOWN, MA 02472-1630 |
| Document Number | 0001855460 |
| Instrument Date | Sep 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 18 STUART ST WATERTOWN MA 024721630, WATERTOWN, MA 02472-1630 |
| Document Number | 0001855460 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 1855460 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 6, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 18 STUART ST, WATERTOWN, MA 02472-1630 |
| Document Number | 0001837890 |
| Instrument Date | Mar 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 STUART ST WATERTOWN MA 024721630, WATERTOWN, MA 02472-1630 |
| Document Number | 0001837890 |
|---|---|
| Date | Mar 6, 2020 |
| Instrument | 1837890 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2050 |
Source: Middlesex County and Watertown City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Watertown City |
| Unified School District | Watertown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,972.00 (+9.97%) | $1,025,000 (+10.16%) Land $541,300 Building $483,700 | $1,033,125 (+3.02%) |
| 2024 | $10,887.00 (-7.75%) | $930,500 (+7.08%) Land $511,300 Building $419,200 | $1,002,820 |
| 2023 | $11,801.00 | $869,000 Land $489,100 Building $379,900 |
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 · 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 599 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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