200 Summer St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 200 Summer St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 1871
Lot Size	0.16 acres (6,952 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Sep 1999)
Tax Bill	$9,387 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jan 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13890-06`

Property Details

APN / Parcel Number

Primary APN	`13890-06`
Alternative APNs	`WATE M:0337 B:0019 L:0003A` `5187`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,548 sqft Living Area
Gross Area	2,430 sqft
Basement Area	858 sqft
Unfinished Basement	858 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1871
Effective Year Built	Effective 1871
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	6,952 sqft (0.16 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5187
Street Address	200 SUMMER ST
City	WATERTOWN
State	MA
Zip	02472-3718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	19
Legal Lot Number	3A
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1010
Census Tract	370103

Owner

200 Summer St is owned and occupied by two individuals who bought it in September 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	200 SUMMER ST, WATERTOWN, MA 02472-3718
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
Jan 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jan 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR
Feb 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 1999 · Amount on File
Deed Sale	Sep 2, 1999 · Amount on File
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	200 SUMMER ST, WATERTOWN, MA 02472-3718
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001866584
Date	Jan 11, 2021
Instrument	1866584

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	200 SUMMER ST, WATERTOWN, MA 02472-3718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1866584
Date	Jan 11, 2021
Instrument	1866584

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	200 SUMMER ST, WATERTOWN, MA 02472-3718
Document Number	0000028431
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	200 SUMMER ST WATERTOWN MA 024723718, WATERTOWN, MA 02472-3718

Mortgage

Document Number	0000028431
Date	Nov 13, 2019
Instrument	28431

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	200 SUMMER ST, WATERTOWN, MA 02472-3718
Document Number	0000016234
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	200 SUMMER ST WATERTOWN MA 024723718, WATERTOWN, MA 02472-3718

Mortgage

Document Number	0000016234
Date	Jun 21, 2019
Instrument	16234

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	200 SUMMER ST, WATERTOWN, MA 02472-3718
Document Number	0000083800
Instrument Date	Feb 17, 2018
Transaction Type	Mortgage
Record Updated	Apr 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000083800
Date	Mar 20, 2018
Instrument	83800

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 200 Summer St was $9,387, up 6.5% 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	$9,387.00 (+6.5%)	$769,400 (+1.96%) Land $410,100 Building $359,300	$784,163 (+27.58%)
2025	$8,814.00 (+10.24%)	$754,600 (+10.43%) Land $410,100 Building $344,500	$614,650 (-20.79%)
2024	$7,995.00 (-9.15%)	$683,300 (+5.45%) Land $385,700 Building $297,600	$775,960
2023	$8,800.00	$648,000 Land $378,300 Building $269,700

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

Flood

FEMA maps place 200 Summer 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 200 Summer 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 610 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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