Middlesex County and Waltham City property record for 45 Loretta Rd, Waltham, MA 02451
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,182 sqft · built 1955 |
| Lot Size | 1.06 acres (46,300 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $9,537 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 68697 |
| Primary APN | 68697 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,182 sqft Living Area |
| Gross Area | 4,696 sqft |
| Basement Area | 2,158 sqft |
| Unfinished Basement | 2,158 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 46,300 sqft (1.06 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 68697 |
|---|---|
| Street Address | 45 LORETTA RD |
| City | WALTHAM |
| State | MA |
| Zip | 02451-2213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | WALTHAM MA |
| Township / Civil Division | WALTHAM |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 368101 |
45 Loretta Rd is owner-occupied and held in a trust since April 2016.
Source: Middlesex County and Waltham City records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 45 LORETTA RD, WALTHAM, MA 02451-2213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2016 |
| Deed Sale | Apr 12, 2016 |
| Prior Sale | Apr 1, 2016 |
| Deed Document Number | 201655662 |
| Deed Book / Page | 67077 / 244 |
| Transfer Doc | 67077-244 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 45 Loretta Rd was $9,537, up 10.4% from the year before.
Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Waltham City |
| Unified School District | Waltham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,537.00 (+10.39%) | $924,100 (+5.05%) Land $512,000 Building $412,100 | $1,064,973 (+22.6%) |
| 2025 | $8,639.00 (+5.28%) | $879,700 (+3.35%) Land $489,000 Building $390,700 | $868,680 (+2.43%) |
| 2024 | $8,206.00 (+0.31%) | $851,200 (+7.38%) Land $466,000 Building $385,200 | $848,065 |
| 2023 | $8,181.00 | $792,700 Land $426,000 Building $366,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Loretta Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1996.
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 |
| Flood Insurance Cost | Premium on File median of 29 policies |
| Nearby Flood Policies | 29 in force |
| Nearby Flood Claims | 21 (1996–2018) |
| Claims Outside the SFHA | 3 of 21 |
| Most Recent Claim | Jan 2018 · rainfall accumulation |
| Claims by Event |
|
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 Loretta Rd 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 324 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 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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