35 Willow St, Waltham, MA 02453 Property Records

Middlesex County and Waltham City property record for 35 Willow St, Waltham, MA 02453 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,564 sqft · built 1910
Lot Size	0.238 acres (10,367 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Jun 2010)
Tax Bill	$9,005 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jul 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`125938`

Property Details

APN / Parcel Number

Primary APN	`125938`
Alternative APN	`WALT M:062 B:015 L:0007`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,564 sqft Living Area
Gross Area	3,776 sqft
Basement Area	1,185 sqft
Unfinished Basement	948 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	10,367 sqft (0.238 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	125938
Street Address	35 WILLOW ST
City	WALTHAM
State	MA
Zip	02453-6832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	15
Legal Lot Number	7
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	3
Census Block	3007
Census Tract	368800

Owner

Source: Middlesex County and Waltham City records · APN 125938

Assessment roll updated April 14, 2026 · Last verified August 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	35 WILLOW ST, WALTHAM, MA 02453-6832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Line of Credit 600 ATLANTIC FCU
Jul 15, 2022	Deed of Trust, Mortgage · Line of Credit 600 ATLANTIC FEDERAL CREDIT UNION
Jan 23, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance TJC MORTGAGE INC
Mar 15, 2024	Deed of Trust, Mortgage · ARM ROCKLAND CREDIT UNION
May 02, 2025	Deed of Trust, Mortgage UNIBANK FOR SAVINGS
Aug 27, 2024	Deed of Trust, Mortgage · Line of Credit 600 ATLANTIC FEDERAL CREDIT UNION
Sep 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Sep 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 24, 2010 · Amount on Record
Deed Sale	Jun 24, 2010 · Amount on Record
Prior Sale	Nov 12, 1997 · Amount on Record
Deed Book / Page	1386 / 22
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	35 WILLOW ST, WALTHAM, MA 02453-6832
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001996900
Date	Mar 30, 2026
Instrument	1996900

Lender

Name	600 ATLANTIC FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	35 WILLOW ST, WALTHAM, MA 02453-6832
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001918520
Date	Jul 15, 2022
Instrument	1918520

Lender

Name	600 ATLANTIC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	35 WILLOW ST, WALTHAM, MA 02453-6832
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001950856
Date	Jan 23, 2024
Instrument	1950856

Lender

Name	TJC MORTGAGE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2054

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	35 WILLOW ST, WALTHAM, MA 02453-6832
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001953510
Date	Mar 15, 2024
Instrument	1953510

Lender

Name	ROCKLAND CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Apr 01, 2029
Index	1-Year CMT

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	35 WILLOW ST, WALTHAM, MA 02453-6832
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001976143
Date	May 02, 2025
Instrument	1976143

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jun 01, 2030
Index	1-Year CMT

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	35 WILLOW ST, WALTHAM, MA 02453-6832
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001962752
Date	Aug 27, 2024
Instrument	1962752

Lender

Name	600 ATLANTIC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	35 WILLOW ST, WALTHAM, MA 02453-6832
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001893431
Date	Sep 15, 2021
Instrument	1893431

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	97 Months
Due	Oct 01, 2029

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	35 WILLOW ST, WALTHAM, MA 02453-6832
Transaction Type	Mortgage
Record Updated	Oct 01, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1893431
Date	Sep 15, 2021
Instrument	1893431

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	97 Months
Due	Oct 01, 2029

Tax Assessment & Valuation

Source: Middlesex County and Waltham City records · Assessment roll updated April 14, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,005.00 (+2.29%)	$917,000 (+0.42%) Land $435,900 Building $481,100	$979,925 (+9.08%)
2024	$8,803.00 (+8.56%)	$913,200 (+16.21%) Land $435,900 Building $477,300	$898,320
2023	$8,109.00	$785,800 Land $395,600 Building $390,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173688003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1978–2008)
Most Recent Claim	Dec 2008, rainfall accumulation, Severe Winter Storm And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 534 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 2,000
Radiate Holdings	Cable	1,500 / 50

May also be available at this address: T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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