23 Phillips St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 23 Phillips St, Watertown, MA 02472

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 3,661 sqft · built 1900
Lot Size	0.121 acres (5,288 sqft)
Owner	Individual Name on Record
Last Sale	$1,200,000 (Sep 2018)
Tax Bill	$17,326 (2026)
Deeds & Mortgages	Mar 2021 Refinance Oct 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46740-01`

Property Details

APN / Parcel Number

Primary APN	`46740-01`
Alternative APNs	`WATE M:1012 B:0003 L:0000` `225`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,661 sqft Living Area
Gross Area	5,628 sqft
Basement Area	1,354 sqft
Unfinished Basement	1,354 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	5,288 sqft (0.121 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	225
Street Address	23 PHILLIPS ST
City	WATERTOWN
State	MA
Zip	02472-3980
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	SC
Legal Block	3
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2005
Census Tract	370401

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	Individual Name on Record
Mailing Address	PO BOX 79092, WAVERLEY, MA 02479-0092
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Oct 7, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Sep 25, 2018	Quit Claim Deed, Transfer ENVISION BANK
May 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage WINTER HILL FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018 · Amount on Record
Deed Sale	Sep 25, 2018 · Amount on Record
Prior Sale	Apr 30, 2013 · Amount on Record
Deed Book / Page	71661 / 3
Transfer Doc	00071661-3
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	23 PHILLIPS ST, WATERTOWN, MA 02472-3980
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0077328-87
Date	Mar 25, 2021
Book Page	77328/87
Instrument	66577

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	23 PHILLIPS ST, WATERTOWN, MA 02472-3980
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73419-136
Date	Oct 7, 2019
Book Page	73419/136
Instrument	154098

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Sep 25, 2018
Property Address	23 PHILLIPS ST, WATERTOWN, MA 02472-3980
Document Number	71661-3
Book / Page	71661 / 3
Instrument	147705
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.87
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	716610007
Date	Sep 25, 2018
Instrument	71661/0007

Lender

Name	ENVISION BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	23 PHILLIPS ST, WATERTOWN, MA 02472-3980
Document Number	70978-184
Instrument Date	May 7, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23 PHILLIPS ST WATERTOWN MA 024723916, WATERTOWN, MA 02472-3916

Mortgage

Document Number	70978-184
Date	May 8, 2018
Book Page	070978/000184
Instrument	64005

Lender

Name	WINTER HILL FSB
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.38%

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
2026	$17,326.00 (+10.3%)	$1,420,200 (+5.6%) Land $471,500 Building $948,700
2025	$15,708.00 (+0.76%)	$1,344,900 (+0.93%) Land $471,500 Building $873,400
2024	$15,590.00 (-11.85%)	$1,332,500 (+2.32%) Land $471,100 Building $861,400
2023	$17,685.00	$1,302,300 Land $455,900 Building $846,400

Assessed value is set for property tax purposes and is not a market price estimate.

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	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.

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 557 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	1,500 / 50

May also be available: AT&T, Starry, T-Mobile, Verizon.

Nearby Properties on Phillips St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures