Middlesex County and Watertown City property record for 23 Stuart St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,552 sqft · built 1925 |
| Lot Size | 0.195 acres (8,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $767,500 (Mar 2022) |
| Tax Bill | $9,906 (2025) |
| Deeds & Mortgages | Feb 2021 Line of Credit Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34590-24 |
| Primary APN | 34590-24 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,552 sqft Living Area |
| Gross Area | 2,379 sqft |
| Basement Area | 740 sqft |
| Unfinished Basement | 740 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,500 sqft (0.195 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 8239 |
|---|---|
| Street Address | 23 STUART ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S-6 |
| Legal Block | 9 |
| Legal Lot Number | 106 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 370101 |
Source: Middlesex County and Watertown City records · APN 34590-24
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 23 STUART ST, WATERTOWN, MA 02472-1629 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 14, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK |
| Oct 04, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 14, 2022 · Amount on Record |
| Deed Sale | Mar 14, 2022 · Amount on Record |
| Prior Sale | Oct 23, 1987 · Amount on Record |
| Prior Transfer Date | Jun 27, 2019 |
| Prior Transfer Doc | 1825215 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 23 STUART ST, WATERTOWN, MA 02472-1629 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001870721 |
|---|---|
| Date | Feb 22, 2021 |
| Instrument | 1870721 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 01, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Mar 14, 2022 |
| Property Address | 23 STUART ST, WATERTOWN, MA 02472-1629 |
| Document Number | 0001909239 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 1909239 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 23 STUART ST, WATERTOWN, MA 02472-1629 |
| Document Number | 0001909240 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | 1909240 |
| Name | CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Oct 04, 2019 |
| Property Address | 23 STUART ST, WATERTOWN, MA 02472-1629 |
| Document Number | 0000025215 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 25215 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 23 STUART ST WATERTOWN MA 024721629, WATERTOWN, MA 02472-1629 |
Source: Middlesex County and Watertown City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Watertown City |
| Unified School District | Watertown School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,906.00 (+12.71%) | $848,100 (+12.9%) Land $559,800 Building $288,300 | $904,400 (-0.84%) |
| 2024 | $8,789.00 (-11.17%) | $751,200 (+3.1%) Land $527,900 Building $223,300 | $912,095 |
| 2023 | $9,894.00 | $728,600 Land $504,900 Building $223,700 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
May also be available: AT&T, T-Mobile USA.
Based on FCC filings for 926 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERTOWN DEPARTMENT OF PUBLIC WORKS serves 35,985 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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