29 Union St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 29 Union St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,242 sqft · built 1890
Lot Size	0.107 acres (4,701 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (Aug 2018)
Tax Bill	$7,652 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Jun 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10166`

Property Details

APN / Parcel Number

Primary APN	`10166`
Alternative APN	`WATE M:0107 B:0012 L:0092B`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,242 sqft Living Area
Gross Area	2,095 sqft
Basement Area	450 sqft
Unfinished Basement	450 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	4,701 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	10166
Street Address	29 UNION ST
City	WATERTOWN
State	MA
Zip	02472-2523
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Subdivision	27-29 UNION STREET CONDO
Legal Block	12
Legal Lot Number	92B
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2004
Census Tract	370403

Owner

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	29 UNION ST, WATERTOWN, MA 02472-2523
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit METRO CU
Jun 24, 2020	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Oct 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRSTRUST BANK
Sep 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Aug 8, 2018	Condominium Deed, Transfer · Conventional Mortgage FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2018 · Amount on Record
Deed Sale	Aug 8, 2018 · Amount on Record
Prior Sale	Aug 2, 2016 · Amount on Record
Deed Book / Page	71445 / 432
Transfer Doc	067735-585
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	29 UNION ST, WATERTOWN, MA 02472-2523
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081009-71
Date	Dec 1, 2022
Book Page	81009/71
Instrument	175645

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	29 UNION ST, WATERTOWN, MA 02472-2523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74954-578
Date	Jun 24, 2020
Book Page	74954/578
Instrument	98941

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jul 1, 2060

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	29 UNION ST, WATERTOWN, MA 02472-2523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73465-174
Date	Oct 16, 2019
Book Page	73465/174
Instrument	159032

Lender

Name	FIRSTRUST BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	29 UNION ST, WATERTOWN, MA 02472-2523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75528-380
Date	Sep 2, 2020
Book Page	75528/380
Instrument	153271

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

August 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Aug 8, 2018
Property Address	29 UNION ST, WATERTOWN, MA 02472-2523
Document Number	71445-432
Book / Page	071445 / 000432
Instrument Date	Jul 31, 2018
Instrument	120825
Transaction Type	Transfer
Record Updated	Aug 28, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,758.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27-29 UNION ST #29 WATERTOWN MA 024722523, 29, WATERTOWN, MA 02472-2523

Mortgage

Document Number	71445-435
Date	Aug 8, 2018
Book Page	071445/000435
Instrument	120826

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2048

Interest

Rate	3.63%

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	$7,652.00 (+4.45%)	$627,200 (-) Building $627,200	$670,373 (-14.88%)
2025	$7,326.00 (+3.31%)	$627,200 (+3.48%) Building $627,200	$787,550 (+2.11%)
2024	$7,091.00 (-10.57%)	$606,100 (+3.8%) Building $606,100	$771,305
2023	$7,929.00	$583,900 Building $583,900

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	2 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

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 635 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50

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

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