Middlesex County and Watertown City property record for 188 School St, Watertown, MA 02472
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 1,042 sqft · built 1910 |
| Lot Size | 0.147 acres (6,423 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $665,000 (Nov 2025) |
| Tax Bill | $7,695 (2026) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage May 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47340-17 |
| Primary APN | 47340-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,042 sqft Living Area |
| 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) |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Gas |
| Account Number | 10705 |
|---|---|
| Street Address | 188 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 | 189B |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 370401 |
Source: Middlesex County and Watertown 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 | 188 SCHOOL ST, 188, WATERTOWN, MA 02472-4149 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Nov 5, 2025 | Condominium Deed, Transfer · Conventional Mortgage HARVARD FCU |
| May 16, 2023 | Condominium Deed, Transfer |
| Mar 23, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2025 · Amount on Record |
| Deed Sale | Nov 5, 2025 · Amount on Record |
| Prior Sale | May 16, 2023 · Amount on Record |
| Deed Document Number | 20251988380 |
| Prior Transfer Date | Mar 11, 2021 |
| Prior Transfer Doc | 0001873924 |
| Record Updated | Oct 29, 2026 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Nov 5, 2025 |
| Property Address | 188 SCHOOL ST, WATERTOWN, MA 02472-4149 |
| Document Number | 0001988380 |
| Instrument Date | Nov 5, 2025 |
| Instrument | 1988380 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 188 SCHOOL ST # 188, 188, WATERTOWN, MA 02472-4149 |
| Document Number | 0001988381 |
|---|---|
| Date | Nov 5, 2025 |
| Instrument | 1988381 |
| Name | HARVARD FCU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2040 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | May 16, 2023 |
| Property Address | 188 SCHOOL ST, WATERTOWN, MA 02472-4149 |
| Document Number | 0001937031 |
| Instrument Date | May 10, 2023 |
| Instrument | 1937031 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 188 SCHOOL ST, WATERTOWN, MA 02472-4149 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Mar 23, 2021 |
| Property Address | 188 SCHOOL ST, WATERTOWN, MA 02472-4149 |
| Document Number | 0001873924 |
| Instrument Date | Mar 11, 2021 |
| Instrument | 1873924 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186-188 SCHOOL ST # 188, 188, WATERTOWN, MA 02472-4149 |
| Document Number | 0001873925 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 1873925 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
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 |
|---|---|---|---|
| 2026 | $7,695.00 (+4.45%) | $630,700 (-) Building $630,700 | $643,274 (-16.36%) |
| 2025 | $7,367.00 (+28.21%) | $630,700 (+28.43%) Building $630,700 | $769,120 (+5.8%) |
| 2024 | $5,746.00 (-8.3%) | $491,100 (+6.44%) Building $491,100 | $726,940 |
| 2023 | $6,266.00 | $461,400 Building $461,400 |
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
| 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.
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 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 |
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