45 Gilman Rd, Waltham, MA 02452 Property Records

Middlesex County and Waltham City property record for 45 Gilman Rd, Waltham, MA 02452

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,978 sqft · built 2006
Lot Size	0.403 acres (17,576 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Aug 2006)
Tax Bill	$12,641 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`44856`

Property Details

APN / Parcel Number

Primary APN	`44856`
Alternative APN	`WALT M:015 B:002 L:0013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,978 sqft Living Area
Gross Area	6,272 sqft
Basement Area	1,920 sqft
Unfinished Basement	1,824 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,576 sqft (0.403 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	44856
Street Address	45 GILMAN RD
City	WALTHAM
State	MA
Zip	02452-7818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Block	2
Legal Lot Number	13
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	5
Census Block	5000
Census Tract	368901

Owner

45 Gilman Rd is owned and occupied by two individuals who bought it in August 2006.

Source: Middlesex County and Waltham City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 GILMAN RD, WALTHAM, MA 02452-7818
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 6, 2026	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Mar 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2006 · Amount on File
Deed Sale	Aug 29, 2006 · Amount on File
Deed Document Number	2006164367
Deed Book / Page	48067 / 558
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	45 GILMAN RD, WALTHAM, MA 02452-7818
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0085201-64
Date	Feb 6, 2026
Book Page	85201/64
Instrument	13486

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	45 GILMAN RD, WALTHAM, MA 02452-7818
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77392-468
Date	Mar 31, 2021
Book Page	77392/468
Instrument	72508

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 45 Gilman Rd was $12,641, up 4.5% from the year before.

Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Waltham City
Unified School District	Waltham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,641.00 (+4.53%)	$1,287,300 (+2.61%) Land $537,600 Building $749,700	$1,198,330 (-26.39%)
2024	$12,093.00 (+1.04%)	$1,254,500 (+8.17%) Land $513,800 Building $740,700	$1,627,920
2023	$11,968.00	$1,159,700 Land $466,200 Building $693,500

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

Flood

FEMA maps place 45 Gilman Rd 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

Wildfire risk around 45 Gilman Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	2 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	1 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 158 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

May also be available: AT&T, T-Mobile.

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