Middlesex County and Watertown City property record for 286 School St, Watertown, MA 02472
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 2,696 sqft · built 1955 |
| Lot Size | 0.122 acres (5,321 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $950,000 (Mar 2023) |
| Tax Bill | $11,300 (2026) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 57580-27 |
| Primary APN | 57580-27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,696 sqft Living Area |
| Gross Area | 5,381 sqft |
| Basement Area | 1,348 sqft |
| Unfinished Basement | 1,348 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,321 sqft (0.122 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1723 |
|---|---|
| Street Address | 286 SCHOOL ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1414 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | S10 |
| Legal Block | 10 |
| Legal Lot Number | 1 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 370201 |
Source: Middlesex County and Watertown City records, as of October 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 | 286 SCHOOL ST, WATERTOWN, MA 02472-1414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2023 · Amount on Record |
| Deed Sale | Mar 22, 2023 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Mar 22, 2023 |
| Property Address | 286 SCHOOL ST, WATERTOWN, MA 02472-1414 |
| Document Number | 081351-561 |
| Book / Page | 81351 / 561 |
| Instrument Date | Mar 22, 2023 |
| Instrument | 28350 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2023 |
| 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 | 286 SCHOOL ST, WATERTOWN, MA 02472-1414 |
| Document Number | 0000028351 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 28351 |
| Name | FIRSTRUST BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.38% |
| Type Change Date | Apr 1, 2030 |
| Max Rate At Change | 2.75% |
| Index | Other |
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 |
|---|---|---|---|
| 2026 | $11,300.00 (+7%) | $926,200 (+2.43%) Land $495,400 Building $430,800 | $944,261 |
| 2025 | $10,561.00 (-3.02%) | $904,200 (-2.86%) Land $495,400 Building $408,800 | |
| 2024 | $10,890.00 (-13.34%) | $930,800 (+0.59%) Land $495,000 Building $435,800 | |
| 2023 | $12,566.00 | $925,300 Land $472,900 Building $452,400 |
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 Claims | 3 (1979–1987) |
| Most Recent Claim | Jan 1987 · river or lake flooding |
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 |
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