Middlesex County and Watertown City property record for 21 Richards Rd, Watertown, MA 02472
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,616 sqft · built 1920 |
| Lot Size | 0.148 acres (6,465 sqft) |
| Owner | Company Name on File |
| Tax Bill | $13,882 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Dec 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 56330-05 |
| Primary APN | 56330-05 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 14 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,616 sqft Living Area |
| Gross Area | 5,440 sqft |
| Basement Area | 1,396 sqft |
| Unfinished Basement | 1,396 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,465 sqft (0.148 acres) |
| Parking Spaces | 1 Parking Space |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1693 |
|---|---|
| Street Address | 21 RICHARDS RD |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1308 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | T |
| Legal Subdivision | STEARNS ESTATE |
| Legal Block | 18 |
| Legal Lot Number | 5 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 370201 |
21 Richards Rd, a duplex, is owned by a company that acquired it in December 2017.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1910 CENTRE ST, WEST ROXBURY, MA 02132-2535 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 5, 2021 | Deed of Trust, Mortgage · ARM CAMBRIDGE SAVINGS BANK |
| Dec 11, 2017 | Quit Claim Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2017 |
| Deed Sale | Dec 11, 2017 |
| Prior Sale | Jul 25, 2002 · Amount on File |
| Deed Document Number | 2017200005 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 21 RICHARDS RD, WATERTOWN, MA 02472-1308 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 77698-300 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 77698/300 |
| Instrument | 102476 |
| Name | CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | May 1, 2031 |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Dec 11, 2017 |
| Property Address | 21 RICHARDS RD, WATERTOWN, MA 02472-1308 |
| Document Number | 70359-452 |
| Book / Page | 070359 / 000452 |
| Instrument Date | Nov 20, 2017 |
| Instrument | 5 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1910 CENTRE ST WEST ROXBURY MA 021322535, WEST ROXBURY, MA 02132-2535 |
The 2026 property tax bill for 21 Richards Rd was $13,882, up 7.1% from the year before.
Source: Middlesex County and Watertown City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Watertown City |
| Unified School District | Watertown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,882.00 (+7.06%) | $1,137,900 (+2.5%) Land $613,500 Building $524,400 | $1,175,239 |
| 2025 | $12,966.00 (+8.81%) | $1,110,100 (+8.99%) Land $613,500 Building $496,600 | |
| 2024 | $11,916.00 (-9.44%) | $1,018,500 (+5.12%) Land $605,200 Building $413,300 | |
| 2023 | $13,158.00 | $968,900 Land $567,400 Building $401,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Richards Rd 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 risk around 21 Richards Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 618 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 Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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