Middlesex County and Watertown City property record for 48 Prospect St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,172 sqft · built 1997 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,000,000 (Jun 2019) |
| Tax Bill | $12,873 (2026) |
| Deeds & Mortgages | Mar 2021 Refinance Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 980019-35 |
| Primary APN | 980019-35 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,172 sqft Living Area |
| Gross Area | 3,756 sqft |
| Basement Area | 996 sqft |
| Unfinished Basement | 996 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,000 sqft (0.138 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 6724 |
|---|---|
| Street Address | 48 PROSPECT ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-3113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S-6 |
| Legal Block | 13 |
| Legal Lot Number | 481 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 370101 |
48 Prospect St is owned and occupied by two individuals who bought it in June 2019.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 PROSPECT ST, WATERTOWN, MA 02472-3113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Jun 27, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2019 · Amount on File |
| Deed Sale | Jun 27, 2019 · Amount on File |
| Prior Sale | Dec 14, 2001 · Amount on File |
| Prior Transfer Date | Jun 7, 2019 |
| Prior Transfer Doc | 72840-122 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 48 PROSPECT ST, WATERTOWN, MA 02472-3113 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2024 |
| Name | Verified Name |
|---|
| Document Number | 077285-369 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 77285/369 |
| Instrument | 62714 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Jun 27, 2019 |
| Property Address | 48 PROSPECT ST, WATERTOWN, MA 02472-3113 |
| Document Number | 72840-122 |
| Book / Page | 72840 / 122 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 90337 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 48 PROSPECT ST, WATERTOWN, MA 02472-3113 |
| Document Number | 90338 |
|---|---|
| Date | Jun 27, 2019 |
| Instrument | 90338 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jul 1, 2029 |
The 2026 property tax bill for 48 Prospect St was $12,873, up 7.6% 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 | $12,873.00 (+7.63%) | $1,055,200 (+3.05%) Land $478,100 Building $577,100 | $1,351,470 (-) |
| 2025 | $11,960.00 (+0.07%) | $1,024,000 (+0.24%) Land $478,100 Building $545,900 | $1,351,470 (+8.09%) |
| 2024 | $11,952.00 (-6.89%) | $1,021,500 (+8.07%) Land $458,300 Building $563,200 | $1,250,295 |
| 2023 | $12,836.00 | $945,200 Land $436,500 Building $508,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Prospect 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.
The area around 48 Prospect 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 793 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 |
| AT&T Fixed Wireless | 100 / 20 |
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