190 Walnut St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 190 Walnut St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	5 bd · 4 ba · 2,989 sqft · built 1855
Lot Size	0.218 acres (9,513 sqft)
Owner	Company Name on File
Last Sale	$675,000 (Jun 2014)
Tax Bill	$13,541 (2026)
Deeds & Mortgages	Aug 2021 Refinance Jul 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48660-06`

Property Details

APN / Parcel Number

Primary APN	`48660-06`
Alternative APNs	`WATE M:1033 B:0026B L:0000` `911`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,989 sqft Living Area
Gross Area	5,296 sqft
Basement Area	1,434 sqft
Unfinished Basement	1,434 sqft

Exterior

Year Built	Built 1855
Effective Year Built	Effective 1855
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,513 sqft (0.218 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	911
Street Address	190 WALNUT ST
City	WATERTOWN
State	MA
Zip	02472-4029
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	26B
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1009
Census Tract	370401

Owner

190 Walnut St, a duplex, is owned by a company that acquired it in August 2025.

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

Owner of Record	Company Name on File
Mailing Address	34 BITTERSWEET LN, WESTON, MA 02493-1939
Owner Type	Company
Vesting	Company

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
Aug 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK
Jul 6, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Apr 28, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2014 · Amount on File
Deed Sale	Jun 27, 2014 · Amount on File
Prior Sale	Dec 4, 2003 · Amount on File
Deed Book / Page	63829 / 550
Last Transfer Date	Aug 5, 2025
Transfer Doc	084475-512
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	190 WALNUT ST, WATERTOWN, MA 02472-4029
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078563-521
Date	Aug 27, 2021
Book Page	78563/521
Instrument	191932

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	190 WALNUT ST, WATERTOWN, MA 02472-4029
Document Number	71366-394
Instrument Date	Jul 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 WALNUT ST WATERTOWN MA 024724029, WATERTOWN, MA 02472-4029

Mortgage

Document Number	71366-394
Date	Jul 24, 2018
Book Page	071366/000394
Instrument	111272

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	190 WALNUT ST, WATERTOWN, MA 02472-4029
Document Number	69304-548
Book / Page	069304 / 000548
Instrument Date	Apr 28, 2017
Transaction Type	Mortgage
Record Updated	Jun 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69304-548
Date	May 19, 2017
Book Page	069304/000548
Instrument	74435

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 190 Walnut St was $13,541, up 8% 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	$13,541.00 (+7.96%)	$1,109,900 (+3.35%) Land $515,200 Building $594,700	$1,642,636
2025	$12,543.00 (+10.51%)	$1,073,900 (+10.7%) Land $515,200 Building $558,700
2024	$11,350.00 (-11.42%)	$970,100 (+2.82%) Land $500,400 Building $469,700
2023	$12,813.00	$943,500 Land $478,700 Building $464,800

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

Flood

FEMA maps place 190 Walnut 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 190 Walnut 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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