Middlesex County and Watertown City property record for 248 School St, Watertown, MA 02472
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3.5 ba · 2,415 sqft · built 1898 |
| Lot Size | 0.37 acres (16,152 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,190,000 (Nov 2021) |
| Tax Bill | $13,917 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10636 |
| Primary APN | 10636 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 3 Stories |
| Building Area | 2,415 sqft Living Area |
| Gross Area | 3,076 sqft |
| Basement Area | 661 sqft |
| Unfinished Basement | 661 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Slate |
| Lot Area | 16,152 sqft (0.37 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 10636 |
|---|---|
| Street Address | 248 SCHOOL ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1401 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | T |
| Legal Block | 3 |
| Legal Lot Number | 22A |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 370201 |
Source: Middlesex County and Watertown City records, as of July 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 | 248 SCHOOL ST, WATERTOWN, MA 02472-1401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2021 | Deed of Trust, Mortgage · Line of Credit WATERTOWN SAVINGS BANK |
| Nov 19, 2021 | Condominium Deed, Transfer · Stand-Alone First Mortgage DIRECT CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2021 · Amount on Record |
| Deed Sale | Nov 19, 2021 · Amount on Record |
| Prior Sale | Oct 24, 2008 · Amount on Record |
| Deed Document Number | 2021253222 |
| Deed Book / Page | 79187 / 461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 248 SCHOOL ST, WATERTOWN, MA 02472-1401 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 078280-314 |
|---|---|
| Date | Jul 20, 2021 |
| Book Page | 78280/314 |
| Instrument | 162622 |
| Name | WATERTOWN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Nov 19, 2021 |
| Property Address | 248 SCHOOL ST, WATERTOWN, MA 02472-1401 |
| Document Number | 79187-461 |
| Book / Page | 79187 / 461 |
| Instrument Date | Nov 19, 2021 |
| Instrument | 253222 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 248 SCHOOL ST, WATERTOWN, MA 02472-1401 |
| Document Number | 253223 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 253223 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.38% |
| Type Change Date | Dec 1, 2031 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
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 |
|---|---|---|---|
| 2025 | $13,917.00 (+0.1%) | $1,191,500 (+0.27%) Building $1,191,500 | $1,301,310 (-0.93%) |
| 2024 | $13,903.00 (-12.61%) | $1,188,300 (+1.43%) Building $1,188,300 | $1,313,565 |
| 2023 | $15,910.00 | $1,171,600 Building $1,171,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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: 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 618 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures