232 Summer St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 232 Summer St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,444 sqft · built 1928
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Trust Names on File
Tax Bill	$10,214 (2026)
Deeds & Mortgages	Dec 2025 Transfer Jun 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13930-22`

Property Details

APN / Parcel Number

Primary APN	`13930-22`
Alternative APNs	`WATE M:0340 B:0004 L:0066` `5207`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,444 sqft Living Area
Gross Area	4,948 sqft
Basement Area	1,222 sqft
Unfinished Basement	1,222 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	5207
Street Address	232 SUMMER ST
City	WATERTOWN
State	MA
Zip	02472-3719
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	4
Legal Lot Number	66
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1010
Census Tract	370103

Owner

232 Summer St, a duplex, is held in a trust since December 2025.

Source: Middlesex County and Watertown City records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2 DANIEL SHAYS RD, HOPKINTON, MA 01748-3101
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Quit Claim Deed, Transfer Quitclaim
Jun 27, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 7, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 14, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 11, 2025
Transfer Doc	0085008-35
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Dec 16, 2025
Property Address	232 SUMMER ST, WATERTOWN, MA 02472-3719
Document Number	0085008-35
Book / Page	85008 / 35
Instrument Date	Dec 11, 2025
Instrument	153638
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 DANIEL SHAYS RD, HOPKINTON, MA 01748-3101

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	232 SUMMER ST, WATERTOWN, MA 02472-3719
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084283-195
Date	Jun 27, 2025
Book Page	84283/195
Instrument	73654

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Oct 7, 2025
Property Address	232 SUMMER ST, WATERTOWN, MA 02472-3719
Document Number	084703-595
Book / Page	84703 / 595
Instrument Date	Oct 3, 2025
Instrument	121303
Transaction Type	Transfer
Record Updated	Oct 29, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 SUMMER ST # 234, 234, WATERTOWN, MA 02472-3719

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Oct 14, 2021
Property Address	232 SUMMER ST, WATERTOWN, MA 02472-3719
Document Number	78910-479
Book / Page	78910 / 479
Instrument Date	Oct 12, 2021
Instrument	226007
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 SUMMER ST # 234, 234, WATERTOWN, MA 02472-3717

Tax Assessment & Valuation

The 2026 property tax bill for 232 Summer St was $10,214, up 7.7% from the year before.

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	$10,214.00 (+7.73%)	$837,200 (+3.14%) Land $365,400 Building $471,800	$964,884
2025	$9,481.00 (+12.27%)	$811,700 (+12.45%) Land $365,400 Building $446,300
2024	$8,445.00 (-12.53%)	$721,800 (+1.52%) Land $354,300 Building $367,500
2023	$9,655.00	$711,000 Land $347,500 Building $363,500

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

Flood

FEMA maps place 232 Summer St 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.

Wildfire

The area around 232 Summer St 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.

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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