40 Concord Rd, #42, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 40 Concord Rd, #42, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,466 sqft · built 1920
Lot Size	0.121 acres (5,250 sqft)
Owner	2 Individual Names on Record
Tax Bill	$13,486 (2026)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44720-04`

Property Details

APN / Parcel Number

Primary APN	`44720-04`
Alternative APNs	`WATE M:1029 B:0005 L:0249` `721`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,466 sqft Living Area
Gross Area	5,299 sqft
Basement Area	1,197 sqft
Unfinished Basement	1,197 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,250 sqft (0.121 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	721
Street Address	40 CONCORD RD, 42
City	WATERTOWN
State	MA
Zip	02472-1975
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	5
Legal Lot Number	249
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1005
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	2 Individual Names on Record
Mailing Address	42 CONCORD RD, WATERTOWN, MA 02472-1975
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2017
Deed Sale	Aug 16, 2017
Prior Sale	Apr 4, 2001 · Amount on Record
Record Updated	Oct 29, 2026

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Aug 16, 2017
Property Address	40-42 CONCORD RD, WATERTOWN, MA 02472
Document Number	0000068022
Instrument Date	Aug 11, 2017
Instrument	68022
Transaction Type	Transfer
Record Updated	Sep 6, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40-42 CONCORD RD WATERTOWN MA 024721975, WATERTOWN, MA 02472-1975

Mortgage

Document Number	68023
Date	Aug 16, 2017
Instrument	68023

Lender

Name	WATERTOWN SVGS BK
Type	Federal Savings Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.13%

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	$13,486.00 (+7.23%)	$1,105,400 (+2.66%) Land $522,900 Building $582,500	$1,058,472
2025	$12,577.00 (+14.86%)	$1,076,800 (+15.06%) Land $522,900 Building $553,900
2024	$10,950.00 (-11.28%)	$935,900 (+2.98%) Land $509,000 Building $426,900
2023	$12,342.00	$908,800 Land $486,900 Building $421,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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.

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 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