186 School St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 186 School St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,208 sqft · built 1910
Lot Size	0.147 acres (6,423 sqft)
Owner	2 Individual Names on Record
Last Sale	$574,900 (Oct 2021)
Tax Bill	$6,840 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47340-17`

Property Details

APN / Parcel Number

Primary APN	`47340-17`
Alternative APNs	`WATE M:1027 B:0030 L:0189A` `10704`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,208 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,423 sqft (0.147 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	10704
Street Address	186 SCHOOL ST
City	WATERTOWN
State	MA
Zip	02472-4149
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Subdivision	186-188 SCHOOL STREET CONDO
Legal Block	30
Legal Lot Number	189A
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1000
Census Tract	370401

Owner

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	186 SCHOOL ST, WATERTOWN, MA 02472-4149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Deed Document Number	20211896806
Record Updated	Sep 20, 2026

October 2021: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Oct 15, 2021
Property Address	186 SCHOOL ST, WATERTOWN, MA 02472-4149
Document Number	1896806
Instrument Date	Oct 15, 2021
Instrument	1896806
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	186 SCHOOL ST # 186, 186, WATERTOWN, MA 02472-4149

Mortgage

Document Number	1896807
Date	Oct 15, 2021
Instrument	1896807

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$6,840.00 (+11.64%)	$585,600 (+11.82%) Building $585,600	$707,940 (+5.76%)
2024	$6,127.00 (-8.32%)	$523,700 (+6.42%) Building $523,700	$669,370
2023	$6,683.00	$492,100 Building $492,100

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

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

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 618 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20