44 Gilbert St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 44 Gilbert St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,433 sqft · built 1929
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Jun 2020)
Tax Bill	$9,325 (2025)
Deeds & Mortgages	Mar 2021 Refinance Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30830-14`

Property Details

APN / Parcel Number

Primary APN	`30830-14`
Alternative APNs	`WATE M:0606 B:0032 L:0212` `7860`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,433 sqft Living Area
Gross Area	2,716 sqft
Basement Area	702 sqft
Unfinished Basement	702 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7860
Street Address	44 GILBERT ST
City	WATERTOWN
State	MA
Zip	02472-1786
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	32
Legal Lot Number	212
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3002
Census Tract	370101

Owner

Source: Middlesex County and Watertown City records, as of July 21, 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	44 GILBERT ST, WATERTOWN, MA 02472-1786
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH AMERICAN SAVINGS BANK FSB
Jun 5, 2020	Quit Claim Deed, Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2020 · Amount on Record
Deed Sale	Jun 5, 2020 · Amount on Record
Prior Sale	Dec 16, 2016 · Amount on Record
Deed Book / Page	74827 / 480
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	44 GILBERT ST, WATERTOWN, MA 02472-1786
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077147-496
Date	Mar 5, 2021
Book Page	77147/496
Instrument	49877

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jun 5, 2020
Property Address	44 GILBERT ST, WATERTOWN, MA 02472-1786
Document Number	74827-480
Book / Page	74827 / 480
Instrument Date	May 29, 2020
Instrument	87038
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	44 GILBERT ST, WATERTOWN, MA 02472-1786

Mortgage

Document Number	87039
Date	Jun 5, 2020
Instrument	87039

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded

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
2025	$9,325.00 (+8.04%)	$798,400 (+8.23%) Land $509,400 Building $289,000	$768,265 (+3.8%)
2024	$8,631.00 (-8.38%)	$737,700 (+6.34%) Land $481,300 Building $256,400	$740,145
2023	$9,420.00	$693,700 Land $460,400 Building $233,300

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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