220 Main St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 220 Main St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	4 bd · 3.5 ba · 2,021 sqft · built 1914
Lot Size	0.262 acres (11,435 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,112,000 (Jun 2022)
Tax Bill	$12,992 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4440-00`

Property Details

APN / Parcel Number

Primary APN	`4440-00`
Alternative APNs	`WATE M:0206 B:0008 L:0000B` `10879`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,021 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 2010
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,435 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	10879
Street Address	220 MAIN ST
City	WATERTOWN
State	MA
Zip	02472-4408
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Block	8
Legal Lot Number	B
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3004
Census Tract	370103

Owner

Source: Middlesex County and Watertown City records, as of October 20, 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 Record
Mailing Address	218 MAIN ST, 220, WATERTOWN, MA 02472-4408
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Deed of Trust, Mortgage · ARM MORGAN STANLEY CREDIT CORP
Jun 3, 2022	Quit Claim Deed, Transfer
Mar 25, 2020	Condominium Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	Mar 25, 2020 · Amount on Record
Deed Book / Page	80228 / 208
Prior Transfer Date	May 17, 2022
Prior Transfer Doc	080228-208
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	220 MAIN ST, WATERTOWN, MA 02472-4408
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	080603-534
Date	Aug 19, 2022
Book Page	80603/534
Instrument	127544

Lender

Name	MORGAN STANLEY CREDIT CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.05%
Type Change Date	Sep 1, 2032
Index	Other
Margin	3

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jun 3, 2022
Property Address	220 MAIN ST, WATERTOWN, MA 02472-4408
Document Number	080228-208
Book / Page	80228 / 208
Instrument Date	May 17, 2022
Instrument	84129
Transaction Type	Transfer
Record Updated	Jun 17, 2022

Transaction

Amount	Amount Recorded
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	Tenants in Common
Address	218-224 MAIN ST # 220, 220, WATERTOWN, MA 02472-4408

March 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Mar 25, 2020
Property Address	220 MAIN ST, WATERTOWN, MA 02472-4408
Document Number	74349-51
Book / Page	74349 / 51
Instrument Date	Mar 24, 2020
Instrument	44388
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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 with Right of Survivorship
Address	218-224 MAIN ST # 220, 220, WATERTOWN, MA 02472-4408

Mortgage

Document Number	44389
Date	Mar 25, 2020
Instrument	44389

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$12,992.00 (-4.16%)	$1,064,900 (-8.25%) Building $1,064,900	$1,096,422 (-10.09%)
2025	$13,556.00 (+8.56%)	$1,160,600 (+8.74%) Building $1,160,600	$1,219,515 (+1.2%)
2024	$12,487.00 (-0.9%)	$1,067,300 (+15.02%) Building $1,067,300	$1,205,075
2023	$12,601.00	$927,900 Building $927,900

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

Flood

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

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

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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