35 Union St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 35 Union St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	5 bd · 5.5 ba · 3,252 sqft · built 1900
Lot Size	0.164 acres (7,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,000 (Jan 2019)
Tax Bill	$15,382 (2026)
Deeds & Mortgages	Dec 2018 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2820-08`

Property Details

APN / Parcel Number

Primary APN	`2820-08`
Alternative APNs	`WATE M:0107 B:0013 L:0093` `1056`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,252 sqft Living Area
Gross Area	5,861 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft

Exterior

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	7,125 sqft (0.164 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1056
Street Address	35 UNION ST
City	WATERTOWN
State	MA
Zip	02472-2523
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	13
Legal Lot Number	93
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2004
Census Tract	370403

Owner

Source: Middlesex County and Watertown 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 Individual Names on Record
Mailing Address	78 TURNER ST, BRIGHTON, MA 02135-2524
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2018	Deed of Trust, Mortgage · Balloon Mortgage WATERTOWN SAVINGS BANK
Jan 7, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2019 · Amount on Record
Deed Sale	Jan 7, 2019 · Amount on Record
Prior Transfer Date	Dec 21, 2018
Prior Transfer Doc	72099-570
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	35 UNION ST, WATERTOWN, MA 02472-2523
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72019-306
Date	Dec 17, 2018
Book Page	72019/306
Instrument	191379

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jan 7, 2019
Property Address	35 UNION ST, WATERTOWN, MA 02472-2523
Document Number	72099-570
Book / Page	72099 / 570
Instrument Date	Dec 21, 2018
Instrument	2377
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	78 TURNER ST, BRIGHTON, MA 02135-2524

Mortgage

Document Number	2378
Date	Jan 7, 2019
Instrument	2378

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2029

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
2026	$15,382.00 (+7.36%)	$1,260,800 (+2.78%) Land $543,800 Building $717,000	$1,305,362
2025	$14,328.00 (+3.98%)	$1,226,700 (+4.16%) Land $543,800 Building $682,900
2024	$13,779.00 (-11.66%)	$1,177,700 (+2.53%) Land $529,000 Building $648,700
2023	$15,598.00	$1,148,600 Land $506,000 Building $642,600

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

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

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

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

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