Middlesex County and Waltham City property record for 38 Albert St, Waltham, MA 02453
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,224 sqft · built 1954 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $293,500 (Oct 2001) |
| Tax Bill | $6,604 (2026) |
| Deeds & Mortgages | Nov 2022 Refinance Jul 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | WALT M:074 B:008 L:0011 |
| Primary APN | WALT M:074 B:008 L:0011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,224 sqft Living Area |
| Gross Area | 2,810 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,998 sqft (0.138 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1296 |
|---|---|
| Street Address | 38 ALBERT ST |
| City | WALTHAM |
| State | MA |
| Zip | 02453-1449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Block | 8 |
| Legal Lot Number | 11 |
| Jurisdiction | WALTHAM MA |
| Township / Civil Division | WALTHAM |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 368400 |
Source: Middlesex County and Waltham 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 | 38 ALBERT ST, WALTHAM, MA 02453-1449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance RTN FEDERAL CREDIT UNION |
| Jul 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2001 · Amount on Record |
| Deed Sale | Oct 23, 2001 · Amount on Record |
| Deed Document Number | 20011329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 38 ALBERT ST, WALTHAM, MA 02453-1449 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 080896-230 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | 80896/230 |
| Instrument | 162288 |
| Name | RTN FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 38 ALBERT ST, WALTHAM, MA 02453-1449 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75168-113 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 75168/113 |
| Instrument | 118397 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Waltham City |
| Unified School District | Waltham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,604.00 (+9.76%) | $639,900 (+4.44%) Land $408,200 Building $231,700 | $619,687 (-13.29%) |
| 2025 | $6,017.00 (+3.42%) | $612,700 (+1.52%) Land $388,800 Building $223,900 | $714,685 (-8%) |
| 2024 | $5,818.00 (+0.97%) | $603,500 (+8.1%) Land $381,600 Building $221,900 | $776,815 |
| 2023 | $5,762.00 | $558,300 Land $345,600 Building $212,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2019 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% 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 | WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 132 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
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