4 Garnet St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 4 Garnet St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,410 sqft · built 1919
Lot Size	0.221 acres (9,636 sqft)
Owner	Company Name on Record
Last Sale	$191,000 (Feb 1995)
Tax Bill	$9,257 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`72716-06`

Property Details

APN / Parcel Number

Primary APN	`72716-06`
Alternative APNs	`WATE M:1015 B:0006 L:0004` `269`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,410 sqft Living Area

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Slate
Lot Area	9,636 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	269
Street Address	4 GARNET ST
City	WATERTOWN
State	MA
Zip	02472-3905
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SC
Legal Subdivision	PHILLIPS GARNET
Legal Block	6
Legal Lot Number	4
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 records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	4 GARNET ST, WATERTOWN, MA 02472-3905
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 17, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 1995 · Amount on Record
Deed Sale	Feb 27, 1995 · Amount on Record
Prior Sale	Mar 20, 1987 · Amount on Record
Last Transfer Date	Jan 11, 2023
Transfer Doc	0081261-47
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Recording Date	Aug 6, 2026
Property Address	4 GARNET ST, WATERTOWN, MA 02472-3905
Document Number	0000098790
Book / Page	85981 / 471
Instrument Date	Jul 24, 2026
Instrument	202698790
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000098790,
Date	Aug 6, 2026
Book Page	85981/471
Instrument	202698790

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Feb 17, 2023
Property Address	4 GARNET ST, WATERTOWN, MA 02472-3905
Document Number	0081261-47
Book / Page	81261 / 47
Instrument Date	Jan 11, 2023
Instrument	17310
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 GARNET ST # 4, 4, WATERTOWN, MA 02472-3905

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	$9,257.00 (+4.45%)	$758,800 (-) Building $758,800	$803,415 (-)
2025	$8,863.00 (+9.41%)	$758,800 (+9.59%) Building $758,800	$803,415 (+5.19%)
2024	$8,101.00 (-9.71%)	$692,400 (+4.8%) Building $692,400	$763,800
2023	$8,972.00	$660,700 Building $660,700

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

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 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
Astound Broadband Cable	1,500 / 50

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

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