20 Keith St, Watertown, MA 02472 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 844 sqft · built 1894
Lot Size	0.135 acres (5,895 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,299,000 (Aug 2026)
Tax Bill	$7,862 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`66510-02`

Property Details

APN / Parcel Number

Primary APN	`66510-02`
Alternative APNs	`WATE M:1601 B:0019 L:0006` `3990`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	844 sqft Living Area
Gross Area	1,638 sqft
Basement Area	518 sqft
Unfinished Basement	518 sqft

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,895 sqft (0.135 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3990
Street Address	20 KEITH ST
City	WATERTOWN
State	MA
Zip	02472-2907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	19
Legal Lot Number	6
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	4
Census Block	4006
Census Tract	370301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 KEITH ST, 20, WATERTOWN, MA 02472-2907
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Aug 5, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on Record
Deed Sale	Aug 5, 2026 · Amount on Record
Prior Sale	Mar 11, 2025 · Amount on Record
Deed Document Number	202698555
Deed Book / Page	85979 / 454
Prior Transfer Date	Jul 23, 2026
Prior Transfer Doc	0000098555
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Recording Date	Aug 5, 2026
Property Address	20 KEITH ST, WATERTOWN, MA 02472-2907
Document Number	0000098557
Book / Page	85979 / 484
Instrument Date	Aug 5, 2026
Instrument	202698557
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 KEITH ST, WATERTOWN, MA 02472-2907

Mortgage

Document Number	0000098557,
Date	Aug 5, 2026
Book Page	85979/484
Instrument	202698557

Lender

Name	CAMBRIDGE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Aug 5, 2026
Property Address	20 KEITH ST, WATERTOWN, MA 02472-2907
Document Number	0000098555
Book / Page	85979 / 454
Instrument Date	Jul 23, 2026
Instrument	202698555
Transaction Type	Transfer
Record Updated	Aug 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Date	Aug 5, 2026

Lender

Name	CAMBRIDGE SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Type Change Date	Sep 1, 2033
Index	Other
Margin	3
Max Rate	-1%

Tax Assessment & Valuation

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	$7,862.00 (+5.09%)	$644,400 (+0.61%) Land $529,600 Building $114,800	$820,990 (-)
2025	$7,481.00 (+9.8%)	$640,500 (+9.99%) Land $529,600 Building $110,900	$820,990 (+21.26%)
2024	$6,813.00 (-9.96%)	$582,300 (+4.5%) Land $500,900 Building $81,400	$677,065
2023	$7,567.00	$557,200 Land $479,100 Building $78,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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

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 1,030 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T, Starry.

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