Middlesex County and Watertown City property record for 40 Commonwealth Rd, #1, Watertown, MA 02472
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 1,352 sqft · built 1918 |
| Lot Size | 0.102 acres (4,455 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $670,000 (Jul 2018) |
| Tax Bill | $8,680 (2026) |
| Deeds & Mortgages | May 2025 Line of Credit Dec 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 300043-09 |
| Primary APN | 300043-09 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,352 sqft Living Area |
| Gross Area | 2,015 sqft |
| Basement Area | 483 sqft |
| Unfinished Basement | 483 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 4,455 sqft |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 9443 |
|---|---|
| Street Address | 40 COMMONWEALTH RD, 1 |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1319 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | T |
| Legal Block | 10 |
| Legal Lot Number | 57A |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 370201 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 40 COMMONWEALTH RD, 1, WATERTOWN, MA 02472-1319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2025 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Dec 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Aug 20, 2019 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Jul 17, 2018 | Condominium Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2018 · Amount on Record |
| Deed Sale | Jul 17, 2018 · Amount on Record |
| Prior Sale | Sep 30, 2013 · Amount on Record |
| Deed Book / Page | 71327 / 69 |
| Transfer Doc | 0071327-69 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 40 COMMONWEALTH RD # 1, 1, WATERTOWN, MA 02472-1319 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084074-259 |
|---|---|
| Date | May 12, 2025 |
| Book Page | 84074/259 |
| Instrument | 50673 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 40 COMMONWEALTH RD # 1, 1, WATERTOWN, MA 02472-1319 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76511-106 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 76511/106 |
| Instrument | 246135 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 40 COMMONWEALTH RD # 1, 1, WATERTOWN, MA 02472-1319 |
| Document Number | 73170-426 |
| Instrument Date | Aug 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 40 COMMONWEALTH RD #1 WATERTOWN MA 024721319, 1, WATERTOWN, MA 02472-1319 |
| Document Number | 73170-426 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 073170/000426 |
| Instrument | 127252 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 25, 2049 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Jul 17, 2018 |
| Property Address | 40 COMMONWEALTH RD # 1, 1, WATERTOWN, MA 02472-1319 |
| Document Number | 71327-69 |
| Book / Page | 071327 / 000069 |
| Instrument Date | Jul 17, 2018 |
| Instrument | 106194 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,055.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 COMMONWEALTH RD #1 WATERTOWN MA 024721319, 1, WATERTOWN, MA 02472-1319 |
| Document Number | 71327-73 |
|---|---|
| Date | Jul 17, 2018 |
| Book Page | 071327/000073 |
| Instrument | 106195 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 16, 2048 |
Source: Middlesex County and Watertown City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Watertown City |
| Unified School District | Watertown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,680.00 (+4.45%) | $711,500 (-) Building $711,500 | $718,029 (+6.14%) |
| 2025 | $8,310.00 (+5.71%) | $711,500 (+5.89%) Building $711,500 | $676,495 (-12.67%) |
| 2024 | $7,861.00 (-12.44%) | $671,900 (+1.63%) Building $671,900 | $774,630 |
| 2023 | $8,978.00 | $661,100 Building $661,100 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1979–1987) |
| Most Recent Claim | Jan 1987 · river or lake flooding |
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 618 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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