34 Phillips St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 34 Phillips St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,570 sqft · built 1868
Lot Size	0.221 acres (9,636 sqft)
Owner	2 Individual Names on File
Last Sale	$715,000 (Nov 2020)
Tax Bill	$9,614 (2025)
Deeds & Mortgages	May 2021 Refinance Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`72715-08`

Property Details

APN / Parcel Number

Primary APN	`72715-08`
Alternative APNs	`WATE M:1015 B:0006 L:0034` `268`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,570 sqft Living Area
Gross Area	1,714 sqft

Exterior

Year Built	Built 1868
Effective Year Built	Effective 1868
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Slate
Lot Area	9,636 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	268
Street Address	34 PHILLIPS ST
City	WATERTOWN
State	MA
Zip	02472-3918
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SC
Legal Subdivision	PHILLIPS - GARNET
Legal Block	6
Legal Lot Number	34
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2004
Census Tract	370401

Owner

Source: Middlesex County and Watertown City assessment roll, 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 File
Mailing Address	34 PHILLIPS ST, WATERTOWN, MA 02472-3918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Nov 20, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Aug 10, 2015 · Amount on Record
Deed Book / Page	76229 / 270
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	34 PHILLIPS ST, WATERTOWN, MA 02472-3918
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077798-132
Date	May 18, 2021
Book Page	77798/132
Instrument	112526

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Nov 20, 2020
Property Address	34 PHILLIPS ST, WATERTOWN, MA 02472-3918
Document Number	76229-270
Book / Page	76229 / 270
Instrument Date	Nov 6, 2020
Instrument	219636
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Tenants by the Entirety
Address	34 PHILLIPS ST, WATERTOWN, MA 02472-3918

Mortgage

Document Number	219637
Date	Nov 20, 2020
Instrument	219637

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$9,614.00 (+10.33%)	$823,100 (+10.51%) Building $823,100	$878,275 (+6.24%)
2024	$8,714.00 (-9.71%)	$744,800 (+4.8%) Building $744,800	$826,690
2023	$9,651.00	$710,700 Building $710,700

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	2 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	Not rated no burnable land within ember reach

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 557 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Radiate Holdings Cable	1,500 / 50

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

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