40 Duff St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 40 Duff St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 874 sqft · built 1940
Lot Size	4.94 acres (215,612 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Jul 2019)
Tax Bill	$5,635 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Apr 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`73310-34`

Property Details

APN / Parcel Number

Primary APN	`73310-34`
Alternative APNs	`WATE M:0542 B:0002 L:1029` `7478`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	874 sqft Living Area
Gross Area	1,431 sqft
Basement Area	437 sqft
Unfinished Basement	437 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Other
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	215,612 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7478
Street Address	40 DUFF ST
City	WATERTOWN
State	MA
Zip	02472-3016
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R.75
Legal Subdivision	VILLAGE CONDO
Legal Block	2
Legal Lot Number	1029
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1015
Census Tract	370101

Owner

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 DUFF ST, WATERTOWN, MA 02472-3016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2017	Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU
Apr 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MOUNTAIN 1ST BANK & TRUST CO
Jul 16, 2019	Condominium Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2019 · Amount on Record
Deed Sale	Jul 16, 2019 · Amount on Record
Prior Sale	Jun 25, 2010 · Amount on Record
Deed Document Number	2019100908
Deed Book / Page	72932 / 1
Prior Transfer Date	Jun 27, 2019
Prior Transfer Doc	72932-1
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	40 DUFF ST, WATERTOWN, MA 02472-3016
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69615-170
Date	Jul 17, 2017
Book Page	69615/170
Instrument	111292

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jul 1, 2057

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	40 DUFF ST, WATERTOWN, MA 02472-3016
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74571-269
Date	Apr 29, 2020
Book Page	74571/269
Instrument	63724

Lender

Name	MOUNTAIN 1ST BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jul 16, 2019
Property Address	40 DUFF ST, WATERTOWN, MA 02472-3016
Document Number	72932-1
Book / Page	072932 / 000001
Instrument Date	Jun 27, 2019
Instrument	100908
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,006.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 DUFF ST #24 WATERTOWN MA 024723016, 24, WATERTOWN, MA 02472-3016

Mortgage

Document Number	72932-4
Date	Jul 16, 2019
Book Page	072932/000004
Instrument	100909

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2049

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	$5,635.00 (+4.45%)	$461,900 (-) Building $461,900	$557,650 (-)
2025	$5,395.00 (-6.12%)	$461,900 (-5.96%) Building $461,900	$557,650 (+3.95%)
2024	$5,747.00 (-7.74%)	$491,200 (+7.09%) Building $491,200	$536,465
2023	$6,229.00	$458,700 Building $458,700

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 856 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
T-Mobile Fixed Wireless	100 / 20

40 Duff St, Watertown, MA 02472 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2019: Condominium Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Duff St

Nearby Streets

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