20 Gilbert St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 20 Gilbert St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,354 sqft · built 1927
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on File
Last Sale	$880,000 (Sep 2021)
Tax Bill	$11,786 (2026)
Deeds & Mortgages	Jul 2022 Transfer Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30690-06`

Property Details

APN / Parcel Number

Primary APN	`30690-06`
Alternative APNs	`WATE M:0606 B:0041 L:0221` `7869`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,354 sqft Living Area
Gross Area	5,157 sqft
Basement Area	1,164 sqft
Unfinished Basement	1,164 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	7869
Street Address	20 GILBERT ST
City	WATERTOWN
State	MA
Zip	02472-1786
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	41
Legal Lot Number	221
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3002
Census Tract	370101

Owner

20 Gilbert St, a duplex, is owned and occupied by two individuals who acquired it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 GILBERT ST, WATERTOWN, MA 02472-1786
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 22, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 7, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2021 · Amount on File
Deed Sale	Sep 7, 2021 · Amount on File
Last Transfer Date	Jul 21, 2022
Transfer Doc	080468-369
Record Updated	Oct 29, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jul 22, 2022
Property Address	20 GILBERT ST, WATERTOWN, MA 02472-1786
Document Number	080468-369
Book / Page	80468 / 369
Instrument Date	Jul 21, 2022
Instrument	111835
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	90 QUINCY SHORE DR APT 311, 311, QUINCY, MA 02171-2916

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Sep 7, 2021
Property Address	20 GILBERT ST, WATERTOWN, MA 02472-1786
Document Number	78641-211
Book / Page	78641 / 211
Instrument Date	Sep 7, 2021
Instrument	199255
Transaction Type	Transfer
Record Updated	Sep 24, 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	20 GILBERT ST, WATERTOWN, MA 02472-1786

Mortgage

Document Number	199256
Date	Sep 7, 2021
Instrument	199256

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Type Change Date	Oct 1, 2028
Max Rate At Change	2.75%
Index	Other

Tax Assessment & Valuation

The 2026 property tax bill for 20 Gilbert St was $11,786, up 5.6% 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	$11,786.00 (+5.6%)	$966,100 (+1.1%) Land $509,400 Building $456,700	$982,096
2025	$11,161.00 (+10.93%)	$955,600 (+11.13%) Land $509,400 Building $446,200
2024	$10,061.00 (-11.21%)	$859,900 (+3.06%) Land $495,700 Building $364,200
2023	$11,331.00	$834,400 Land $474,200 Building $360,200

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

Flood

FEMA maps place 20 Gilbert St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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

The area around 20 Gilbert 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 926 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 Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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