Middlesex County and Watertown City property record for 320 School St, Watertown, MA 02472
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,540 sqft · built 1925 |
| Lot Size | 0.278 acres (12,149 sqft) |
| Owner | Trust Name on File |
| Last Sale | $370,000 (Dec 2010) |
| Tax Bill | $9,933 (2026) |
| Deeds & Mortgages | May 2024 Transfer Feb 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 30069903 |
| Primary APN | 30069903 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 1,540 sqft Living Area |
| Gross Area | 2,401 sqft |
| Basement Area | 739 sqft |
| Unfinished Basement | 739 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 12,149 sqft |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 9965 |
|---|---|
| Street Address | 320 SCHOOL ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1402 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | T |
| Legal Subdivision | 320-322 SCHOOL STREET CONDO |
| Legal Block | 2 |
| Legal Lot Number | 103C |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 370201 |
320 School St, a condominium, is owner-occupied and held in a trust since April 2024.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 320 SCHOOL ST, WATERTOWN, MA 02472-1402 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
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 |
|---|---|
| May 1, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Feb 9, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2010 · Amount on File |
| Deed Sale | Dec 16, 2010 · Amount on File |
| Last Transfer Date | Apr 19, 2024 |
| Transfer Doc | 082727-148 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | May 1, 2024 |
| Property Address | 320 SCHOOL ST, WATERTOWN, MA 02472-1402 |
| Document Number | 082727-148 |
| Book / Page | 82727 / 148 |
| Instrument Date | Apr 19, 2024 |
| Instrument | 44515 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 SCHOOL ST, WATERTOWN, MA 02472-1402 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 320 SCHOOL ST, WATERTOWN, MA 02472-1402 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 079665-211 |
|---|---|
| Date | Feb 9, 2022 |
| Book Page | 79665/211 |
| Instrument | 21909 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2042 |
The 2026 property tax bill for 320 School St was $9,933, up 7.2% 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 | $9,933.00 (+7.2%) | $814,200 (+2.63%) Building $814,200 | $823,208 (+10.19%) |
| 2025 | $9,266.00 (+11.53%) | $793,300 (+11.72%) Building $793,300 | $747,080 (+10.34%) |
| 2024 | $8,308.00 (-12.46%) | $710,100 (+1.6%) Building $710,100 | $677,065 |
| 2023 | $9,491.00 | $698,900 Building $698,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 School St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 Claims | 3 (1979–1987) |
| Most Recent Claim | Jan 1987 · river or lake flooding |
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.
The area around 320 School St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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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