25 Cuba St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 25 Cuba St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,028 sqft · built 1850
Lot Size	0.183 acres (7,960 sqft)
Owner	2 Individual Names on File
Last Sale	$382,500 (Aug 2001)
Tax Bill	$11,533 (2026)
Deeds & Mortgages	Apr 2019 Refinance Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`3790-09`

Property Details

APN / Parcel Number

Primary APN	`3790-09`
Alternative APNs	`WATE M:0210 B:0011 L:0005` `4487`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,028 sqft Living Area
Gross Area	4,059 sqft
Basement Area	930 sqft
Unfinished Basement	930 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,960 sqft (0.183 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	4487
Street Address	25 CUBA ST
City	WATERTOWN
State	MA
Zip	02472-2342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Subdivision	WATERTOWN
Legal Block	11
Legal Lot Number	5
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3001
Census Tract	370103

Owner

25 Cuba St is owned and occupied by two individuals who acquired it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	25 CUBA ST, WATERTOWN, MA 02472-2342
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Aug 26, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2001 · Amount on File
Deed Sale	Aug 31, 2001 · Amount on File
Last Transfer Date	Aug 21, 2020
Transfer Doc	75454-574
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	25 CUBA ST, WATERTOWN, MA 02472-2342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72496-487
Date	Apr 24, 2019
Book Page	72496/487
Instrument	51089

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	May 1, 2029

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Aug 26, 2020
Property Address	25 CUBA ST, WATERTOWN, MA 02472-2342
Document Number	75454-574
Book / Page	75454 / 574
Instrument Date	Aug 21, 2020
Instrument	146649
Transaction Type	Transfer
Record Updated	May 12, 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
Relationship	Tenants by the Entirety
Address	25 CUBA ST, WATERTOWN, MA 02472-2342

Mortgage

Document Number	75454-577
Date	Aug 26, 2020
Book Page	75454/577
Instrument	146650

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 25 Cuba St was $11,533, up 4.5% 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	$11,533.00 (+4.47%)	$945,300 (+0.01%) Land $552,800 Building $392,500	$933,090 (-)
2025	$11,040.00 (+10.99%)	$945,200 (+11.17%) Land $552,800 Building $392,400	$933,090 (+1.06%)
2024	$9,947.00 (-7.93%)	$850,200 (+6.86%) Land $522,300 Building $327,900	$923,305
2023	$10,804.00	$795,600 Land $499,600 Building $296,000

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

Flood

FEMA maps place 25 Cuba St in Zone X, an area of minimal flood risk.

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

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

The area around 25 Cuba 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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