20 Laurel St, Watertown, MA 02472 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,884 sqft · built 1910
Lot Size	0.101 acres (4,392 sqft)
Owner	2 Individual Names on File
Last Sale	$775,000 (Oct 2021)
Tax Bill	$11,868 (2026)
Deeds & Mortgages	Feb 2021 Refinance Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`62410-00`

Property Details

APN / Parcel Number

Primary APN	`62410-00`
Alternative APNs	`WATE M:1209 B:0003 L:0003` `2751`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,884 sqft Living Area
Gross Area	4,814 sqft
Basement Area	1,059 sqft
Unfinished Basement	1,059 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,392 sqft (0.101 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	2751
Street Address	20 LAUREL ST
City	WATERTOWN
State	MA
Zip	02472-4214
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	3
Legal Lot Number	3
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2012
Census Tract	370301

Owner

20 Laurel St, a duplex, is owned and occupied by two individuals who bought it in October 2021.

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 File
Mailing Address	20 LAUREL ST, WATERTOWN, MA 02472-4214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Oct 8, 2021	Condominium Deed, Subdivision Related Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP.
Apr 23, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2021 · Amount on File
Deed Sale	Oct 8, 2021 · Amount on File
Prior Sale	Apr 23, 2020 · Amount on File
Prior Transfer Date	Apr 16, 2020
Prior Transfer Doc	74525-585
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	20 LAUREL ST, WATERTOWN, MA 02472-4214
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76915-367
Date	Feb 9, 2021
Book Page	76915/367
Instrument	29231

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

October 2021: Condominium Deed, Subdivision Related Transfer

Document Type	Condominium Deed
Jurisdiction	ARLINGTON MA
Recording Date	Oct 8, 2021
Property Address	20 LAUREL ST, WATERTOWN, MA 02472-4214
Document Number	78882-48
Book / Page	78882 / 48
Instrument Date	Oct 8, 2021
Instrument	223107
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 22, 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 LAUREL ST # 20, 20, ARLINGTON, MA 02476-4309

Mortgage

Document Number	223108
Date	Oct 8, 2021
Instrument	223108

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Apr 23, 2020
Property Address	20 LAUREL ST, WATERTOWN, MA 02472-4214
Document Number	74525-585
Book / Page	74525 / 585
Instrument Date	Apr 16, 2020
Instrument	59951
Transaction Type	Transfer
Record Updated	Oct 22, 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
Relationship	Joint Tenants
Address	20 LAUREL ST, WATERTOWN, MA 02472-4214

Mortgage

Document Number	59952
Date	Apr 23, 2020
Instrument	59952

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 20 Laurel St was $11,868, up 7.4% 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	$11,868.00 (+7.35%)	$972,800 (+2.78%) Land $462,800 Building $510,000	$956,885
2025	$11,055.00 (+10.84%)	$946,500 (+11.03%) Land $462,800 Building $483,700
2024	$9,974.00 (-11.91%)	$852,500 (+2.24%) Land $449,200 Building $403,300
2023	$11,323.00	$833,800 Land $434,700 Building $399,100

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

Flood

FEMA maps place 20 Laurel 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 20 Laurel 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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