Middlesex County and Watertown City property record for 21 Berkeley St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,056 sqft · built 1910 |
| Lot Size | 0.037 acres (1,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Nov 2017) |
| Tax Bill | $6,315 (2025) |
| Deeds & Mortgages | Jan 2024 Refinance Oct 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 64490-10 |
| Primary APN | 64490-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 1,704 sqft |
| Basement Area | 608 sqft |
| Unfinished Basement | 608 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Other |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,600 sqft (0.037 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3952 |
|---|---|
| Street Address | 21 BERKELEY ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-2809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | T |
| Legal Block | 36F |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 370302 |
Source: Middlesex County and Watertown City records · APN 64490-10
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 BERKELEY ST, WATERTOWN, MA 02472-2809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 10, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Oct 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Nov 30, 2017 | Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 30, 2017 · Amount on Record |
| Deed Sale | Nov 30, 2017 · Amount on Record |
| Prior Sale | Dec 03, 2013 · Amount on Record |
| Deed Book / Page | 70315 / 191 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 21 BERKELEY ST, WATERTOWN, MA 02472-2809 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 082384-555 |
|---|---|
| Date | Jan 10, 2024 |
| Book Page | 82384/555 |
| Instrument | 2947 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 21 BERKELEY ST, WATERTOWN, MA 02472-2809 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 075868-125 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 75868/125 |
| Instrument | 185081 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Nov 30, 2017 |
| Property Address | 21 BERKELEY ST, WATERTOWN, MA 02472-2809 |
| Document Number | 70315-191 |
| Book / Page | 070315 / 000191 |
| Instrument Date | Nov 30, 2017 |
| Instrument | 194661 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,006.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 BERKELEY ST WATERTOWN MA 024722809, WATERTOWN, MA 02472-2809 |
| Document Number | 70315-193 |
|---|---|
| Date | Nov 30, 2017 |
| Book Page | 070315/000193 |
| Instrument | 194662 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 29, 2047 |
Source: Middlesex County and Watertown City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Watertown City |
| Unified School District | Watertown School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,315.00 (+9.58%) | $540,700 (+9.76%) Land $346,200 Building $194,500 | $601,540 (-1.2%) |
| 2024 | $5,763.00 (-12.19%) | $492,600 (+1.92%) Land $339,400 Building $153,200 | $608,855 |
| 2023 | $6,563.00 | $483,300 Land $333,100 Building $150,200 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Radiate Holdings Cable · Fiber in parts of the area | 1,500 / 50 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Starry.
Based on FCC filings for 598 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERTOWN DEPARTMENT OF PUBLIC WORKS serves 35,985 people |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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