Middlesex County and Waltham City property record for 191 Florence Rd, Waltham, MA 02453
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,918 sqft · built 1970 |
| Lot Size | 0.131 acres (5,724 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $499,900 (Sep 2019) |
| Tax Bill | $7,502 (2026) |
| Deeds & Mortgages | Apr 2021 Refinance Sep 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41190 |
| Primary APN | 41190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,918 sqft Living Area |
| Gross Area | 2,428 sqft |
| Basement Area | 756 sqft |
| Unfinished Basement | 378 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,724 sqft (0.131 acres) |
| Pool Type | In-Ground Pool |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 41190 |
|---|---|
| Street Address | 191 FLORENCE RD |
| City | WALTHAM |
| State | MA |
| Zip | 02453-7605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Subdivision | PLAN 36816A |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | WALTHAM MA |
| Township / Civil Division | WALTHAM |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 368400 |
191 Florence Rd is owned and occupied by two individuals who bought it in September 2019.
Source: Middlesex County and Waltham City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 191 FLORENCE RD, WALTHAM, MA 02453-7605 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Apr 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Sep 5, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage PENNYMAC |
| May 29, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Jun 22, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2019 · Amount on File |
| Deed Sale | Sep 5, 2019 · Amount on File |
| Deed Document Number | 20191822778 |
| Prior Transfer Date | Aug 28, 2019 |
| Prior Transfer Doc | 1822778 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 191 FLORENCE RD, WALTHAM, MA 02453-7605 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1877915 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 1877915 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTHAM MA |
| Recording Date | Sep 5, 2019 |
| Property Address | 191 FLORENCE RD, WALTHAM, MA 02453-7605 |
| Document Number | 0000022778 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 22778 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,279.54 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 191 FLORENCE RD WALTHAM MA 024537605, WALTHAM, MA 02453-7605 |
| Document Number | 22779 |
|---|---|
| Date | Sep 5, 2019 |
| Instrument | 22779 |
| Name | PENNYMAC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 4, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 191 FLORENCE RD, WALTHAM, MA 02453-7605 |
| Document Number | 0000097213 |
| Instrument Date | May 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2018 |
| Name | Verified Name |
|---|---|
| Address | 191 FLORENCE RD WALTHAM MA 024537605, WALTHAM, MA 02453-7605 |
| Document Number | 0000097213 |
|---|---|
| Date | Sep 13, 2018 |
| Instrument | 97213 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 191 FLORENCE RD, WALTHAM, MA 02453-7605 |
| Document Number | 0000067381 |
| Instrument Date | Jun 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2017 |
| Name | Verified Name |
|---|
| Document Number | 0000067381 |
|---|---|
| Date | Aug 8, 2017 |
| Instrument | 67381 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 191 Florence Rd was $7,502, up 11.7% from the year before.
Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Waltham City |
| Unified School District | Waltham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,502.00 (+11.7%) | $726,900 (+6.29%) Land $405,100 Building $321,800 | $802,368 (+32.51%) |
| 2025 | $6,716.00 (+3.37%) | $683,900 (+1.47%) Land $385,800 Building $298,100 | $605,530 (+5.16%) |
| 2024 | $6,497.00 (+1.58%) | $674,000 (+8.74%) Land $378,700 Building $295,300 | $575,795 |
| 2023 | $6,396.00 | $619,800 Land $343,000 Building $276,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 191 Florence Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 8 (1979–2010) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 191 Florence Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 645 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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