Middlesex County and Watertown City property record for 190 School St, Watertown, MA 02472
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 3,834 sqft · built 1910 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $174,000 (Aug 1989) |
| Tax Bill | $13,388 (2026) |
| Deeds & Mortgages | May 2025 Mortgage Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 47350-13 |
| Primary APN | 47350-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 3,834 sqft Living Area |
| Gross Area | 5,330 sqft |
| Basement Area | 1,184 sqft |
| Unfinished Basement | 1,184 sqft |
| 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 | 6,250 sqft (0.143 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Account Number | 692 |
|---|---|
| Street Address | 190 SCHOOL ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-4149 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | T |
| Legal Block | 31 |
| Legal Lot Number | 192 |
| 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 | 190 SCHOOL ST, WATERTOWN, MA 02472-4149 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 29, 2025 | Deed of Trust, Mortgage CITIZENS BANK |
| Dec 29, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 1989 · Amount on Record |
| Deed Sale | Aug 11, 1989 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 190 SCHOOL ST, WATERTOWN, MA 02472-4149 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001977765 |
|---|---|
| Date | May 29, 2025 |
| Instrument | 1977765 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 301 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 190 SCHOOL ST, WATERTOWN, MA 02472-4149 |
| Document Number | 0000081747 |
| Instrument Date | Dec 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000081747 |
|---|---|
| Date | Feb 12, 2018 |
| Instrument | 81747 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $13,388.00 (+8.13%) | $1,097,400 (+3.53%) Land $403,900 Building $693,500 | $1,194,880 |
| 2025 | $12,381.00 (+14.49%) | $1,060,000 (+14.68%) Land $403,900 Building $656,100 | |
| 2024 | $10,814.00 (-12.56%) | $924,300 (+1.49%) Land $391,700 Building $532,600 | |
| 2023 | $12,367.00 | $910,700 Land $384,100 Building $526,600 |
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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