41 Olney St, Watertown, MA 02472 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,438 sqft · built 1900
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Dec 2015)
Tax Bill	$10,483 (2026)
Deeds & Mortgages	Feb 2021 Refinance May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`33820-07`

Property Details

APN / Parcel Number

Primary APN	`33820-07`
Alternative APNs	`WATE M:0601 B:0014 L:0030` `7703`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,438 sqft Living Area
Gross Area	3,096 sqft
Basement Area	664 sqft
Unfinished Basement	664 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Other
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

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

Location & Zoning

Account Number	7703
Street Address	41 OLNEY ST
City	WATERTOWN
State	MA
Zip	02472-1754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	14
Legal Lot Number	30
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3000
Census Tract	370101

Owner

41 Olney St is owned and occupied by an individual who bought it in December 2015.

Source: Middlesex County and Watertown City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	41 OLNEY ST, WATERTOWN, MA 02472-1754
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
May 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2015 · Amount on File
Deed Sale	Dec 29, 2015 · Amount on File
Prior Sale	May 4, 1999 · Amount on File
Deed Book / Page	66597 / 590
Transfer Doc	066597-590
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	41 OLNEY ST, WATERTOWN, MA 02472-1754
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076860-179
Date	Feb 2, 2021
Book Page	76860/179
Instrument	23959

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	41 OLNEY ST, WATERTOWN, MA 02472-1754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74649-185
Date	May 11, 2020
Book Page	74649/185
Instrument	70765

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 41 Olney St was $10,483, up 6.1% from the year before.

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	$10,483.00 (+6.06%)	$859,300 (+1.55%) Land $509,400 Building $349,900	$849,205 (-)
2025	$9,884.00 (+12.34%)	$846,200 (+12.53%) Land $509,400 Building $336,800	$849,205 (+1.17%)
2024	$8,798.00 (-8.22%)	$752,000 (+6.53%) Land $481,300 Building $270,700	$839,420
2023	$9,586.00	$705,900 Land $460,400 Building $245,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 41 Olney St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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

The area around 41 Olney St has no burnable land within ember reach, so its wildfire risk is not rated.

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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