43 Irma Ave, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 43 Irma Ave, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 2,055 sqft · built 1910
Lot Size	0.07 acres (3,075 sqft)
Owner	2 Individual Names on File
Last Sale	$915,000 (Dec 2025)
Tax Bill	$8,980 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54060-12`

Property Details

APN / Parcel Number

Primary APN	`54060-12`
Alternative APNs	`WATE M:1139 B:0011 L:22U43` `11112`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,055 sqft Living Area
Gross Area	2,165 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Condo/Apartment
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,075 sqft

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	11112
Street Address	43 IRMA AVE
City	WATERTOWN
State	MA
Zip	02472-3530
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Block	11
Legal Lot Number	22U43
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	5
Census Block	5007
Census Tract	370301

Owner

43 Irma Ave, a condominium, is owned by two individuals who bought it in December 2025.

Source: Middlesex County and Watertown City records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	41 IRMA AVE, 43-43, WATERTOWN, MA 02472-3530
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 4, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 17, 2025	Condominium Deed, Transfer · Conventional Mortgage LEADER BANK NA
May 14, 2021	Condominium Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2025 · Amount on File
Deed Sale	Dec 17, 2025 · Amount on File
Prior Sale	May 14, 2021 · Amount on File
Deed Document Number	2025154768
Deed Book / Page	85016 / 445
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	43 IRMA AVE, WATERTOWN, MA 02472-3530
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080534-343
Date	Aug 4, 2022
Book Page	80534/343
Instrument	119419

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate

December 2025: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Dec 17, 2025
Property Address	43 IRMA AVE, WATERTOWN, MA 02472-3530
Document Number	085016-445
Book / Page	85016 / 445
Instrument Date	Dec 16, 2025
Instrument	154768
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	41 IRMA AVE # 43-43, 43-43, WATERTOWN, MA 02472-3530

Mortgage

Document Number	0000154769
Date	Dec 17, 2025
Instrument	154769

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

May 2021: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	May 14, 2021
Property Address	43 IRMA AVE, WATERTOWN, MA 02472-3530
Document Number	0077774-19
Book / Page	77774 / 19
Instrument Date	May 14, 2021
Instrument	110140
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	41-43 IRMA AVE # 43, 43, WATERTOWN, MA 02472

Mortgage

Document Number	0000110141
Date	May 14, 2021
Instrument	110141

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 43 Irma Ave was $8,980, up 12.1% 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
2025	$8,980.00 (+12.07%)	$768,800 (+12.25%) Building $768,800	$922,925 (+4.19%)
2024	$8,013.00 (-10.53%)	$684,900 (+3.85%) Building $684,900	$885,780
2023	$8,956.00	$659,500 Building $659,500

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

Flood

FEMA maps place 43 Irma Ave in Zone X, an area of minimal flood risk.

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

The area around 43 Irma Ave 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 598 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Starry.

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