Middlesex County and Watertown City property record for 45 Bancroft St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,440 sqft · built 1924 |
| Lot Size | 0.096 acres (4,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,500 (Sep 1988) |
| Tax Bill | $9,836 (2026) |
| Deeds & Mortgages | May 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5530-17 |
| Primary APN | 5530-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| Gross Area | 2,304 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 4,200 sqft (0.096 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Oil |
| Account Number | 5392 |
|---|---|
| Street Address | 45 BANCROFT ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-3616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | T |
| Legal Block | 56A |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 370101 |
45 Bancroft St is owned and occupied by two individuals who bought it in September 1988.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 1988 · Amount on File |
| Deed Sale | Sep 15, 1988 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 45 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084084-546 |
|---|---|
| Date | May 14, 2025 |
| Book Page | 84084/546 |
| Instrument | 51845 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Jun 1, 2055 |
The 2026 property tax bill for 45 Bancroft St was $9,836, up 6% 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 | $9,836.00 (+5.99%) | $806,200 (+1.47%) Land $511,600 Building $294,600 | $856,863 (-2.21%) |
| 2025 | $9,280.00 (+8.16%) | $794,500 (+8.35%) Land $511,600 Building $282,900 | $876,185 (+7.7%) |
| 2024 | $8,580.00 (-8.98%) | $733,300 (+5.63%) Land $483,300 Building $250,000 | $813,580 |
| 2023 | $9,427.00 | $694,200 Land $462,300 Building $231,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Bancroft 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.
The area around 45 Bancroft 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 856 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 |
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