Middlesex County and Watertown City property record for 31 Spruce St, #33, Watertown, MA 02472
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 3,100 sqft · built 1900 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $14,667 (2026) |
| Deeds & Mortgages | Jun 2025 Line of Credit May 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47560-30 |
| Primary APN | 47560-30 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 3,100 sqft Living Area |
| Gross Area | 6,118 sqft |
| Basement Area | 1,360 sqft |
| Unfinished Basement | 1,360 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,000 sqft (0.23 acres) |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 606 |
|---|---|
| Street Address | 31 SPRUCE ST, 33 |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1902 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | SC |
| Legal Block | 8 |
| Legal Lot Number | 22 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 370401 |
31 Spruce St, #33, a duplex, is owned by two individuals.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 33 SPRUCE ST, WATERTOWN, MA 02472-1902 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 23, 2025 | Deed of Trust, Mortgage · Line of Credit WATERTOWN SAVINGS BANK |
| May 7, 2018 | Deed of Trust, Mortgage · ARM WATERTOWN SAVINGS BANK |
| May 13, 2020 | Deed of Trust, Mortgage · Balloon Mortgage WATERTOWN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 31 SPRUCE ST # 33, 33, WATERTOWN, MA 02472-1902 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084257-298 |
|---|---|
| Date | Jun 23, 2025 |
| Book Page | 84257/298 |
| Instrument | 70847 |
| Name | WATERTOWN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 31-33 SPRUCE ST, WATERTOWN, MA 02472 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 70972-56 |
|---|---|
| Date | May 7, 2018 |
| Book Page | 70972/56 |
| Instrument | 63141 |
| Name | WATERTOWN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 31-33 SPRUCE ST, WATERTOWN, MA 02472 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74661-96 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 74661/96 |
| Instrument | 71862 |
| Name | WATERTOWN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 31 Spruce St, #33 was $14,667, up 8.1% from the year before.
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 | $14,667.00 (+8.12%) | $1,202,200 (+3.5%) Land $575,100 Building $627,100 | $1,179,753 |
| 2025 | $13,566.00 (+7.9%) | $1,161,500 (+8.09%) Land $575,100 Building $586,400 | |
| 2024 | $12,573.00 (-11.35%) | $1,074,600 (+2.89%) Land $559,700 Building $514,900 | |
| 2023 | $14,183.00 | $1,044,400 Land $535,300 Building $509,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Spruce St, #33 in Zone X, an area of minimal flood risk.
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 risk around 31 Spruce St, #33 is low, with less than a 0.01% annual chance of 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.
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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