Middlesex County and Watertown City property record for 23 Lloyd Rd, Watertown, MA 02472
| Property Type | Duplex |
|---|---|
| Details | 8 bd · 2 ba · 3,179 sqft · built 1920 |
| Lot Size | 0.092 acres (4,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $14,245 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 54960-14 |
| Primary APN | 54960-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 13 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 3,179 sqft Living Area |
| Gross Area | 5,073 sqft |
| Basement Area | 1,129 sqft |
| Unfinished Basement | 1,129 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,000 sqft (0.092 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 2070 |
|---|---|
| Street Address | 23 LLOYD RD |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-3532 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | T |
| Legal Block | 35 |
| Legal Lot Number | 4 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 5 |
| Census Block | 5008 |
| Census Tract | 370301 |
23 Lloyd Rd, a duplex, is owned and occupied by two individuals who acquired it in November 2014.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 LLOYD RD, WATERTOWN, MA 02472-3532 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2014 |
| Deed Sale | Nov 7, 2014 |
| Prior Sale | Apr 1, 2005 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 23 LLOYD RD, WATERTOWN, MA 02472-3532 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78933-229 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 78933/229 |
| Instrument | 228269 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
The 2026 property tax bill for 23 Lloyd Rd was $14,245, up 7.8% 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 | $14,245.00 (+7.83%) | $1,167,600 (+3.24%) Land $509,400 Building $658,200 | $1,130,365 |
| 2025 | $13,210.00 (+7.1%) | $1,131,000 (+7.29%) Land $509,400 Building $621,600 | |
| 2024 | $12,334.00 (-10.64%) | $1,054,200 (+3.72%) Land $495,700 Building $558,500 | |
| 2023 | $13,803.00 | $1,016,400 Land $474,200 Building $542,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Lloyd Rd 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.
The area around 23 Lloyd Rd 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.
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 598 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Starry.
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