3 Centre St, Waltham, MA 02453 Property Records

Middlesex County and Waltham City property record for 3 Centre St, Waltham, MA 02453

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,353 sqft · built 1850
Lot Size	0.133 acres (5,772 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,049,950 (Sep 2025)
Tax Bill	$10,203 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`20435`

Property Details

APN / Parcel Number

Primary APN	`20435`
Alternative APN	`WALT M:061 B:019 L:0009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	14 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,353 sqft Living Area
Gross Area	3,204 sqft
Basement Area	814 sqft
Unfinished Basement	489 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,772 sqft (0.133 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	20435
Street Address	3 CENTRE ST
City	WALTHAM
State	MA
Zip	02453-6009
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	1
Legal Subdivision	HOUSE RUTTER & TEELE WALTHAM
Legal Block	19
Legal Lot Number	9
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	4
Census Block	4000
Census Tract	368800

Owner

Source: Middlesex County and Waltham City records, as of April 14, 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	3 CENTRE ST, WALTHAM, MA 02453-6009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Dec 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2025 · Amount on Record
Deed Sale	Sep 5, 2025 · Amount on Record
Prior Sale	Apr 8, 2016 · Amount on Record
Deed Book / Page	84581 / 422
Record Updated	Jun 8, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	Sep 5, 2025
Property Address	3 CENTRE ST, WALTHAM, MA 02453-6009
Document Number	084581-422
Book / Page	84581 / 422
Instrument Date	Sep 5, 2025
Instrument	107493
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3 CENTRE ST, WALTHAM, MA 02453-6009

Mortgage

Document Number	0000107494
Date	Sep 5, 2025
Instrument	107494

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	3 CENTRE ST, WALTHAM, MA 02453-6009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73804-297
Date	Dec 11, 2019
Book Page	73804/297
Instrument	195718

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Waltham City
Unified School District	Waltham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$10,203.00 (+7.38%)	$1,039,000 (+5.41%) Land $386,300 Building $652,700
2024	$9,502.00 (+8.14%)	$985,700 (+15.76%) Land $386,300 Building $599,400
2023	$8,787.00	$851,500 Land $350,600 Building $500,900

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	2 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	1 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 534 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

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

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