45 Upland Rd, Waltham, MA 02451 Property Records

Middlesex County and Waltham City property record for 45 Upland Rd, Waltham, MA 02451

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,308 sqft · built 1955
Lot Size	0.115 acres (5,031 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (May 2019)
Tax Bill	$6,876 (2026)
Deeds & Mortgages	May 2023 Line of Credit Feb 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`116083`

Property Details

APN / Parcel Number

Primary APN	`116083`
Alternative APN	`WALT M:049 B:004 L:0020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,308 sqft Living Area
Gross Area	2,742 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Tile
Lot Area	5,031 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	116083
Street Address	45 UPLAND RD
City	WALTHAM
State	MA
Zip	02451-2987
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Block	4
Legal Lot Number	20
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	1
Census Block	1006
Census Tract	368200

Owner

45 Upland Rd is owned and occupied by two individuals who bought it in May 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	45 UPLAND RD, WALTHAM, MA 02451-2987
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Deed of Trust, Mortgage · Line of Credit LEADER BANK NA
Feb 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Sep 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
May 15, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Jul 11, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2019 · Amount on File
Deed Sale	May 15, 2019 · Amount on File
Prior Sale	Jul 11, 2018
Deed Document Number	201962785
Deed Book / Page	72601 / 495
Prior Transfer Date	May 10, 2019
Prior Transfer Doc	72601-495
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	45 UPLAND RD, WALTHAM, MA 02451-2987
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081574-354
Date	May 25, 2023
Book Page	81574/354
Instrument	54619

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	45 UPLAND RD, WALTHAM, MA 02451-2987
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74142-142
Date	Feb 18, 2020
Book Page	74142/142
Instrument	23611

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	45 UPLAND RD, WALTHAM, MA 02451-2987
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75569-22
Date	Sep 9, 2020
Book Page	75569/22
Instrument	157384

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	May 15, 2019
Property Address	45 UPLAND RD, WALTHAM, MA 02451-2987
Document Number	72601-495
Book / Page	72601 / 495
Instrument Date	May 10, 2019
Instrument	62785
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	45 UPLAND RD, WALTHAM, MA 02451-2987

Mortgage

Document Number	62786
Date	May 15, 2019
Instrument	62786

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	Jul 11, 2018
Property Address	45 UPLAND RD, WALTHAM, MA 02451-2987
Document Number	71299-406
Book / Page	071299 / 000406
Instrument Date	Jul 10, 2018
Instrument	102736
Transaction Type	Transfer
Record Updated	Jul 31, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	45 UPLAND RD WALTHAM MA 024512987, WALTHAM, MA 02451-2987

Tax Assessment & Valuation

The 2026 property tax bill for 45 Upland Rd was $6,876, up 5.4% 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
2026	$6,876.00 (+5.4%)	$666,300 (+0.29%) Land $397,200 Building $269,100	$706,587 (-2.06%)
2025	$6,524.00 (+1.43%)	$664,400 (-0.42%) Land $378,300 Building $286,100	$721,430 (+5.82%)
2024	$6,432.00 (+0.52%)	$667,200 (+7.6%) Land $378,300 Building $288,900	$681,720
2023	$6,399.00	$620,100 Land $343,300 Building $276,800

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

Flood

FEMA maps place 45 Upland Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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 Claims	8 (1979–2010)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2001 · 2 claims

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

The area around 45 Upland 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.

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 265 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

Cell Coverage

5G (outdoors only) and 4G LTE

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