46 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 46 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	3 bd · 1 ba · 1,692 sqft · built 1915
Lot Size	0.174 acres (7,602 sqft)
Owner	Individual Name on File
Last Sale	$690,000 (Oct 2022)
Tax Bill	$7,559 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47610-05`

Property Details

APN / Parcel Number

Primary APN	`47610-05`
Alternative APNs	`WATE M:1025 B:0010 L:008PB` `10743`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,692 sqft Living Area
Basement Area	1,626 sqft
Unfinished Basement	1,626 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Slate
Lot Area	7,602 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	10743
Street Address	46 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1904
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Block	10
Legal Lot Number	8PB
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1003
Census Tract	370401

Owner

46 Spruce St, a condominium, is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	46 SPRUCE ST, WATERTOWN, MA 02472-1904
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on File
Deed Sale	Oct 28, 2022 · Amount on File
Prior Sale	Dec 7, 2018 · Amount on File
Deed Book / Page	80883 / 391
Transfer Doc	0067192-75
Record Updated	Oct 29, 2026

October 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Oct 28, 2022
Property Address	46 SPRUCE ST, WATERTOWN, MA 02472-1904
Document Number	080883-391
Book / Page	80883 / 391
Instrument Date	Oct 28, 2022
Instrument	160783
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	46 SPRUCE ST, WATERTOWN, MA 02472-1904

Mortgage

Document Number	0000160784
Date	Oct 28, 2022
Instrument	160784

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 46 Spruce St was $7,559, up 4.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,559.00 (+4.45%)	$619,600 (-) Building $619,600	$703,613 (-10.6%)
2025	$7,237.00 (-2.52%)	$619,600 (-2.35%) Building $619,600	$787,075 (+4.32%)
2024	$7,424.00 (-5.14%)	$634,500 (+10.1%) Building $634,500	$754,490
2023	$7,826.00	$576,300 Building $576,300

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

Flood

FEMA maps place 46 Spruce St 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 46 Spruce St 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 618 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20