19 Irma Ave, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 19 Irma Ave, Watertown, MA 02472

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,076 sqft · built 1920
Lot Size	0.083 acres (3,600 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (May 2019)
Tax Bill	$14,279 (2026)
Deeds & Mortgages	Feb 2021 Refinance Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53960-30`

Property Details

APN / Parcel Number

Primary APN	`53960-30`
Alternative APNs	`WATE M:1139 B:0005 L:0017` `2112`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,076 sqft Living Area
Gross Area	4,346 sqft
Basement Area	1,038 sqft
Unfinished Basement	1,038 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	3,600 sqft (0.083 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	2112
Street Address	19 IRMA AVE
City	WATERTOWN
State	MA
Zip	02472-3593
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	T
Legal Subdivision	WATERTOWN
Legal Block	5
Legal Lot Number	17
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	5
Census Block	5007
Census Tract	370301

Owner

19 Irma Ave, a triplex, is owned by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	39 ARCOLA ST, LEXINGTON, MA 02420-2620
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance POLI MORTGAGE GROUP INC
Oct 29, 2019	Deed of Trust, Mortgage · ARM TD BANK NA
May 1, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FALL RIVER FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2019 · Amount on File
Deed Sale	May 1, 2019 · Amount on File
Prior Sale	Mar 21, 2008 · Amount on File
Prior Transfer Date	Apr 25, 2019
Prior Transfer Doc	72539-232
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	19 IRMA AVE, WATERTOWN, MA 02472-3593
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77029-570
Date	Feb 23, 2021
Book Page	77029/570
Instrument	39605

Lender

Name	POLI MORTGAGE GROUP INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	19 IRMA AVE, WATERTOWN, MA 02472-3593
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73541-571
Date	Oct 29, 2019
Book Page	73541/571
Instrument	166930

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Nov 1, 2024

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	May 1, 2019
Property Address	19 IRMA AVE, WATERTOWN, MA 02472-3593
Document Number	72539-232
Book / Page	72539 / 232
Instrument Date	Apr 25, 2019
Instrument	55549
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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
Address	39 ARCOLA ST, LEXINGTON, MA 02420-2620

Mortgage

Document Number	55550
Date	May 1, 2019
Instrument	55550

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Type Change Date	May 1, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 19 Irma Ave was $14,279, 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	$14,279.00 (+9.68%)	$1,170,400 (+5.01%) Land $503,700 Building $666,700
2025	$13,019.00 (+4.9%)	$1,114,600 (+5.07%) Land $503,700 Building $610,900
2024	$12,411.00 (-11.17%)	$1,060,800 (+3.11%) Land $505,800 Building $555,000
2023	$13,971.00	$1,028,800 Land $483,800 Building $545,000

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

Flood

FEMA maps place 19 Irma Ave 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 19 Irma Ave 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 598 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: Starry.

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