28 Gilbert St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 28 Gilbert St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,470 sqft · built 1900
Lot Size	0.089 acres (3,879 sqft)
Owner	Company Name on Record
Tax Bill	$12,473 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30740-18`

Property Details

APN / Parcel Number

Primary APN	`30740-18`
Alternative APNs	`WATE M:0606 B:0038 L:0218A` `7865`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,470 sqft Living Area
Gross Area	5,308 sqft
Basement Area	1,208 sqft
Unfinished Basement	1,208 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,879 sqft (0.089 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	7865
Street Address	28 GILBERT ST
City	WATERTOWN
State	MA
Zip	02472-1786
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	38
Legal Lot Number	218A
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3002
Census Tract	370101

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	68 WILBUR ST, WALTHAM, MA 02453-7060
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2019	Deed of Trust, Mortgage · Balloon Mortgage WATERTOWN SAVINGS BANK
Apr 6, 2017	Deed of Trust, Mortgage WATERTOWN SAVINGS BANK
Mar 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2017
Deed Sale	Mar 1, 2017
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	28 GILBERT ST, WATERTOWN, MA 02472-1786
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73168-405
Date	Aug 26, 2019
Book Page	73168/405
Instrument	126978

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	28 GILBERT ST, WATERTOWN, MA 02472-1786
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69107-347
Date	Apr 6, 2017
Book Page	69107/347
Instrument	50515

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Mar 1, 2017
Property Address	28 GILBERT ST, WATERTOWN, MA 02472-1786
Document Number	68956-127
Book / Page	068956 / 000127
Instrument Date	Jan 31, 2017
Instrument	31859
Transaction Type	Transfer
Record Updated	Mar 21, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	68 WILBUR ST WALTHAM MA 024537060, WALTHAM, MA 02453-7060

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	Assessed Market Value
2026	$12,473.00 (+7.44%)	$1,022,400 (+2.87%) Land $507,700 Building $514,700	$1,002,219
2025	$11,609.00 (+10.75%)	$993,900 (+10.94%) Land $507,700 Building $486,200
2024	$10,482.00 (-11.26%)	$895,900 (+3%) Land $494,400 Building $401,500
2023	$11,812.00	$869,800 Land $472,900 Building $396,900

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

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	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.

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 926 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 Fiber · Fixed Wireless in parts of the area	980 / 880

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

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