Middlesex County and Watertown City property record for 41 Bancroft St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,620 sqft · built 1928 |
| Lot Size | 0.088 acres (3,840 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,050,000 (Aug 2025) |
| Tax Bill | $10,852 (2026) |
| Deeds & Mortgages | May 2023 Refinance Mar 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5520-21 |
| Primary APN | 5520-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 2,700 sqft |
| Basement Area | 875 sqft |
| Unfinished Basement | 875 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 3,840 sqft (0.088 acres) |
| Parking Spaces | 1 Parking Space |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 5393 |
|---|---|
| Street Address | 41 BANCROFT ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-3616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | T |
| Legal Subdivision | WATERTOWN |
| Legal Block | 57B |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 370101 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 41 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance VILLAGE BANK |
| Mar 2, 2026 | Deed of Trust, Mortgage GUARANTEED RATE INC |
| Aug 6, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| May 2, 2017 | Deed of Trust, Mortgage VILLAGE BANK |
| Aug 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ROSS MTG CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2025 · Amount on Record |
| Deed Sale | Aug 6, 2025 · Amount on Record |
| Prior Sale | Aug 27, 2014 · Amount on Record |
| Deed Book / Page | 84460 / 27 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 41 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081577-460 |
|---|---|
| Date | May 26, 2023 |
| Book Page | 81577/460 |
| Instrument | 54984 |
| Name | VILLAGE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 41 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0085289-43 |
|---|---|
| Date | Mar 2, 2026 |
| Book Page | 85289/43 |
| Instrument | 22563 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Aug 6, 2025 |
| Property Address | 41 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Document Number | 0084460-27 |
| Book / Page | 84460 / 27 |
| Instrument Date | Aug 6, 2025 |
| Instrument | 93513 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 41 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Document Number | 0000093514 |
|---|---|
| Date | Aug 6, 2025 |
| Instrument | 93514 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 41 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 69224-110 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 69224/110 |
| Instrument | 64460 |
| Name | VILLAGE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 41 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Document Number | 75391-276 |
| Instrument Date | Aug 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 41 BANCROFT ST WATERTOWN MA 024723616, WATERTOWN, MA 02472-3616 |
| Document Number | 75391-276 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 075391/000276 |
| Instrument | 140332 |
| Name | ROSS MTG CO INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 17, 2045 |
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 | $10,852.00 (+6.69%) | $889,500 (+2.14%) Land $507,100 Building $382,400 | $930,772 (-5.67%) |
| 2025 | $10,172.00 (+8.52%) | $870,900 (+8.71%) Land $507,100 Building $363,800 | $986,670 (+9.3%) |
| 2024 | $9,373.00 (-7.9%) | $801,100 (+6.9%) Land $479,600 Building $321,500 | $902,690 |
| 2023 | $10,177.00 | $749,400 Land $458,800 Building $290,600 |
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 Policies | 1 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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 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 |
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