180 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 180 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	7 bd · 3 ba · 2,406 sqft · built 1910
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Nov 1998)
Tax Bill	$12,241 (2026)
Deeds & Mortgages	Sep 2021 Line of Credit May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48240-09`

Property Details

APN / Parcel Number

Primary APN	`48240-09`
Alternative APNs	`WATE M:1031 B:0021 L:0024` `796`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,406 sqft Living Area
Gross Area	4,530 sqft
Basement Area	1,073 sqft
Unfinished Basement	1,073 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

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	796
Street Address	180 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1920
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	21
Legal Lot Number	24
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1003
Census Tract	370401

Owner

180 Spruce St, a duplex, is owned and occupied by two individuals who acquired it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	180 SPRUCE ST, WATERTOWN, MA 02472-1920
Occupancy	Owner Occupied
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
Sep 3, 2021	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
May 19, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 1998 · Amount on File
Deed Sale	Nov 10, 1998 · Amount on File
Prior Sale	Mar 18, 1994 · Amount on File
Last Transfer Date	May 18, 2021
Transfer Doc	77812-144
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	180 SPRUCE ST, WATERTOWN, MA 02472-1920
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78621-354
Date	Sep 3, 2021
Book Page	78621/354
Instrument	197409

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	May 19, 2021
Property Address	180 SPRUCE ST, WATERTOWN, MA 02472-1920
Document Number	77812-144
Book / Page	77812 / 144
Instrument Date	May 18, 2021
Instrument	113931
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	180 SPRUCE ST, WATERTOWN, MA 02472-1920

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	180 SPRUCE ST, WATERTOWN, MA 02472-1920
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77616-366
Date	Apr 27, 2021
Book Page	77616/366
Instrument	94468

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	May 1, 2031

Tax Assessment & Valuation

The 2026 property tax bill for 180 Spruce St was $12,241, 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	$12,241.00 (+7.34%)	$1,003,400 (+2.77%) Land $494,300 Building $509,100	$1,049,967
2025	$11,404.00 (+7.79%)	$976,400 (+7.97%) Land $494,300 Building $482,100
2024	$10,580.00 (-11.34%)	$904,300 (+2.91%) Land $481,100 Building $423,200
2023	$11,933.00	$878,700 Land $460,100 Building $418,600

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

Flood

FEMA maps place 180 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 180 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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