41 Gilbert St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 41 Gilbert St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,816 sqft · built 1920
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on Record
Last Sale	$1,020,000 (Apr 2024)
Tax Bill	$11,588 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30810-22`

Property Details

APN / Parcel Number

Primary APN	`30810-22`
Alternative APNs	`WATE M:0604 B:0015 L:0120` `7787`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area
Gross Area	2,804 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	7787
Street Address	41 GILBERT ST
City	WATERTOWN
State	MA
Zip	02472-1783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	15
Legal Lot Number	120
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3014
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	41 GILBERT ST, WATERTOWN, MA 02472-1783
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Apr 4, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Prior Sale	Apr 4, 2019 · Amount on Record
Record Updated	Oct 29, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Apr 29, 2024
Property Address	41 GILBERT ST, WATERTOWN, MA 02472-1783
Document Number	082709-475
Book / Page	82709 / 475
Instrument Date	Apr 29, 2024
Instrument	42621
Transaction Type	Transfer
Record Updated	May 17, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 GILBERT ST, WATERTOWN, MA 02472-1783

Mortgage

Document Number	0000042622
Date	Apr 29, 2024
Instrument	42622

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	41 GILBERT ST, WATERTOWN, MA 02472-1783
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78520-186
Date	Aug 23, 2021
Book Page	78520/186
Instrument	187554

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Apr 4, 2019
Property Address	41 GILBERT ST, WATERTOWN, MA 02472-1783
Document Number	72420-214
Book / Page	072420 / 000214
Instrument Date	Apr 4, 2019
Instrument	41976
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,357.98
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	41 GILBERT ST WATERTOWN MA 024721783, WATERTOWN, MA 02472-1783

Mortgage

Document Number	72420-217
Date	Apr 4, 2019
Book Page	072420/000217
Instrument	41977

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 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	$11,588.00 (+12.02%)	$949,800 (+7.24%) Land $509,400 Building $440,400	$950,665 (-)
2025	$10,345.00 (+11.85%)	$885,700 (+12.04%) Land $509,400 Building $376,300	$950,665 (+0.49%)
2024	$9,249.00 (-7.85%)	$790,500 (+6.95%) Land $481,300 Building $309,200	$946,010
2023	$10,037.00	$739,100 Land $460,400 Building $278,700

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	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.

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 926 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 Fiber · Fixed Wireless in parts of the area	980 / 880

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

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