Middlesex County and Watertown City property record for 44 Ralph St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,428 sqft · built 1950 |
| Lot Size | 0.131 acres (5,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Dec 2014) |
| Tax Bill | $9,473 (2026) |
| Deeds & Mortgages | Dec 2020 Refinance Jul 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27430-03 |
| Primary APN | 27430-03 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,428 sqft Living Area |
| Gross Area | 2,668 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,700 sqft (0.131 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 7357 |
|---|---|
| Street Address | 44 RALPH ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-3038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S-6 |
| Legal Subdivision | HARRINGTON ESTATES |
| Legal Block | 35 |
| Legal Lot Number | 111 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 370101 |
44 Ralph St is owned and occupied by two individuals who bought it in December 2014.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 44 RALPH ST, WATERTOWN, MA 02472-3038 |
| 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.
| Date | Document |
|---|---|
| Dec 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND |
| Jul 11, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Jun 23, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2014 · Amount on File |
| Deed Sale | Dec 29, 2014 · Amount on File |
| Prior Sale | Mar 14, 1997 · Amount on File |
| Deed Book / Page | 64726 / 445 |
| Transfer Doc | 66068-370 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 44 RALPH ST, WATERTOWN, MA 02472-3038 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76491-51 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 76491/51 |
| Instrument | 244203 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 44 RALPH ST, WATERTOWN, MA 02472-3038 |
| Document Number | 75278-487 |
| Instrument Date | Jul 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 44 RALPH ST WATERTOWN MA 024723038, WATERTOWN, MA 02472-3038 |
| Document Number | 75278-487 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 075278/000487 |
| Instrument | 128944 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 2, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 44 RALPH ST, WATERTOWN, MA 02472-3038 |
| Document Number | 69598-421 |
| Book / Page | 069598 / 000421 |
| Instrument Date | Jun 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2017 |
| Name | Verified Name |
|---|
| Document Number | 69598-421 |
|---|---|
| Date | Jul 13, 2017 |
| Book Page | 069598/000421 |
| Instrument | 109370 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 44 Ralph St was $9,473, up 6.2% from the year before.
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 | $9,473.00 (+6.2%) | $776,500 (+1.68%) Land $475,300 Building $301,200 | $801,515 (-) |
| 2025 | $8,920.00 (+16.59%) | $763,700 (+16.79%) Land $475,300 Building $288,400 | $801,515 (+4.06%) |
| 2024 | $7,651.00 (-10.08%) | $653,900 (+4.36%) Land $455,500 Building $198,400 | $770,260 |
| 2023 | $8,509.00 | $626,600 Land $433,800 Building $192,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Ralph St in Zone X, an area of minimal flood risk.
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 | 2 in force |
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.
The area around 44 Ralph 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.
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 793 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 |
| AT&T Fixed Wireless | 100 / 20 |
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