31 Smith St, Waltham, MA 02451 Property Records

Middlesex County and Waltham City property record for 31 Smith St, Waltham, MA 02451

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,815 sqft · built 1955
Lot Size	0.245 acres (10,677 sqft)
Owner	2 Company Names on Record
Last Sale	$931,000 (Aug 2026)
Tax Bill	$7,988 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`105521`

Property Details

APN / Parcel Number

Primary APN	`105521`
Alternative APN	`WALT M:012 B:003 L:0020`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,815 sqft Living Area
Gross Area	3,506 sqft
1st Floor Area	1,104 sqft
Basement Area	1,126 sqft
Unfinished Basement	281 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,677 sqft (0.245 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	105521
Street Address	31 SMITH ST
City	WALTHAM
State	MA
Zip	02451-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Block	3
Legal Lot Number	20
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	2
Census Block	2006
Census Tract	368101

Owner

Source: Middlesex County and Waltham 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 Company Names on Record
Mailing Address	31 SMITH ST, WALTHAM, MA 02451-1355
Owner Type	Company
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit BANKERS
Apr 20, 2018	Deed of Trust, Mortgage HANSCOM FCU
Oct 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Sep 13, 2018	Quit Claim Deed, Transfer FIRST CHOICE LOAN SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2026 · Amount on Record
Deed Sale	Aug 25, 2026 · Amount on Record
Prior Sale	Sep 13, 2018 · Amount on Record
Deed Document Number	2026107611
Deed Book / Page	86056 / 450
Prior Transfer Date	Aug 11, 2026
Prior Transfer Doc	0000107611
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	Aug 25, 2026
Property Address	31 SMITH ST, WALTHAM, MA 02451-1355
Document Number	0000107611
Book / Page	86056 / 450
Instrument Date	Aug 11, 2026
Instrument	2026107611
Transaction Type	Transfer
Record Updated	Sep 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	31 SMITH ST, WALTHAM, MA 02451-1355

Mortgage

Date	Aug 25, 2026

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Type Change Date	Sep 1, 2031
Index	1-Year CMT
Margin	3
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Recording Date	Jul 13, 2026
Property Address	31 SMITH ST, WALTHAM, MA 02451-1355
Document Number	0000085883
Book / Page	85868 / 149
Instrument Date	Jul 7, 2026
Instrument	202685883
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 SMITH ST, WALTHAM, MA 02451-1355

Mortgage

Document Number	0000085883,
Date	Jul 13, 2026
Book Page	85868/149
Instrument	202685883

Lender

Name	BANKERS

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Max Rate	-1%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	31 SMITH ST, WALTHAM, MA 02451-1355
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70898-42
Date	Apr 20, 2018
Book Page	70898/42
Instrument	54232

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	31 SMITH ST, WALTHAM, MA 02451-1355
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75816-170
Date	Oct 6, 2020
Book Page	75816/170
Instrument	180073

Lender

Name	ENVISION BANK

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	31 SMITH ST, WALTHAM, MA 02451-1355
Document Number	73461-166
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 SMITH ST WALTHAM MA 024511355, WALTHAM, MA 02451-1355

Mortgage

Document Number	73461-166
Date	Oct 16, 2019
Book Page	073461/000166
Instrument	158550

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	Sep 13, 2018
Property Address	31 SMITH ST, WALTHAM, MA 02451-1355
Document Number	71612-414
Book / Page	71612 / 414
Instrument	141836
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59.56
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	716120418
Date	Sep 13, 2018
Instrument	71612/0418

Lender

Name	FIRST CHOICE LOAN SVC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2048

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	Assessed Market Value
2026	$7,988.00 (+10.29%)	$774,000 (+4.93%) Land $411,700 Building $362,300	$906,578 (-1.5%)
2025	$7,243.00 (+5.43%)	$737,600 (+3.49%) Land $393,000 Building $344,600	$920,360 (+2.17%)
2024	$6,870.00 (+0.38%)	$712,700 (+7.46%) Land $374,200 Building $338,500	$900,790
2023	$6,844.00	$663,200 Land $341,700 Building $321,500

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
Flood Insurance Cost	Premium on Record median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	21 (1996–2018)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Jan 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 11 claims Severe Storms And Flooding, Mar 2001 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

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	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 324 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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