294 Common St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 294 Common St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,190 sqft · built 1928
Lot Size	0.152 acres (6,620 sqft)
Owner	2 Individual Names on Record
Last Sale	$860,000 (May 2019)
Tax Bill	$12,204 (2026)
Deeds & Mortgages	Apr 2018 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17760-36`

Property Details

APN / Parcel Number

Primary APN	`17760-36`
Alternative APNs	`WATE M:0434 B:0017 L:0006` `6465`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,190 sqft Living Area
Gross Area	4,534 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	6,620 sqft (0.152 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	6465
Street Address	294 COMMON ST
City	WATERTOWN
State	MA
Zip	02472-4940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S-6
Legal Block	17
Legal Lot Number	6
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	4
Census Block	4000
Census Tract	370202

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	294 COMMON ST, WATERTOWN, MA 02472-4940
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2018	Deed of Trust, Mortgage · Line of Credit BELMONT SAVINGS BANK
Apr 21, 2020	Deed of Trust, Mortgage · ARM TD BANK NA
May 10, 2019	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2019 · Amount on Record
Deed Sale	May 10, 2019 · Amount on Record
Prior Sale	Apr 18, 2013
Prior Transfer Date	May 6, 2019
Prior Transfer Doc	72582-241
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	294 COMMON ST, WATERTOWN, MA 02472-4940
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70925-219
Date	Apr 27, 2018
Book Page	70925/219
Instrument	57593

Lender

Name	BELMONT SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2038

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	294 COMMON ST, WATERTOWN, MA 02472-4940
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74495-353
Date	Apr 21, 2020
Book Page	74495/353
Instrument	57597

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	May 1, 2030

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	May 10, 2019
Property Address	294 COMMON ST, WATERTOWN, MA 02472-4940
Document Number	72582-241
Book / Page	072582 / 000241
Instrument Date	May 6, 2019
Instrument	60452
Transaction Type	Transfer
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,921.60
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	294 COMMON ST WATERTOWN MA 024724940, WATERTOWN, MA 02472-4940

Mortgage

Document Number	72582-244
Date	May 10, 2019
Book Page	072582/000244
Instrument	60453

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2049

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	$12,204.00 (+6.62%)	$1,000,300 (+2.07%) Land $508,900 Building $491,400	$1,193,960 (-)
2025	$11,446.00 (-1.01%)	$980,000 (-0.84%) Land $508,900 Building $471,100	$1,193,960 (+5.36%)
2024	$11,563.00 (-5%)	$988,300 (+10.26%) Land $493,700 Building $494,600	$1,133,255
2023	$12,172.00	$896,300 Land $471,600 Building $424,700

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

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	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 707 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: T-Mobile.

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