Middlesex County and Watertown City property record for 22 Duff St, Watertown, MA 02472
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 874 sqft · built 1940 |
| Lot Size | 4.94 acres (215,612 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $430,000 (Apr 2018) |
| Tax Bill | $5,571 (2025) |
| Deeds & Mortgages | Jul 2020 Refinance Nov 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 73230-34 |
| Primary APN | 73230-34 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 874 sqft Living Area |
| Gross Area | 1,431 sqft |
| Basement Area | 437 sqft |
| Unfinished Basement | 437 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 215,612 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 7470 |
|---|---|
| Street Address | 22 DUFF ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-3016 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R.75 |
| Legal Block | 2 |
| Legal Lot Number | 1021 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 370101 |
Source: Middlesex County and Watertown City records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 22 DUFF ST, WATERTOWN, MA 02472-3016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTY HOME MORTGAGE |
| Nov 27, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Dec 30, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Apr 17, 2018 | Quit Claim Deed, Transfer SANTANDER BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2018 · Amount on Record |
| Deed Sale | Apr 17, 2018 · Amount on Record |
| Deed Book / Page | 70880 / 540 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 22 DUFF ST, WATERTOWN, MA 02472-3016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75017-194 |
|---|---|
| Date | Jul 1, 2020 |
| Book Page | 75017/194 |
| Instrument | 104576 |
| Name | GUARANTY HOME MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 22 DUFF ST, WATERTOWN, MA 02472-3016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73738-549 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 73738/549 |
| Instrument | 188092 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 22 DUFF ST, WATERTOWN, MA 02472-3016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76573-546 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 76573/546 |
| Instrument | 251665 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Apr 17, 2018 |
| Property Address | 22 DUFF ST, WATERTOWN, MA 02472-3016 |
| Document Number | 70880-540 |
| Book / Page | 70880 / 540 |
| Instrument | 51996 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $45.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 DUFF ST, WATERTOWN, MA 02472-3016 |
| Document Number | 708800545 |
|---|---|
| Date | Apr 17, 2018 |
| Instrument | 70880/0545 |
| Name | SANTANDER BANK NA |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 17, 2048 |
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 |
|---|---|---|---|
| 2025 | $5,571.00 (-0.57%) | $477,000 (-0.4%) Building $477,000 | $561,355 (+3.87%) |
| 2024 | $5,603.00 (-7.75%) | $478,900 (+7.06%) Building $478,900 | $540,455 |
| 2023 | $6,074.00 | $447,300 Building $447,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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.
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 856 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 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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