Middlesex County and Watertown City property record for 48 Spruce St, Watertown, MA 02472
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 2,858 sqft · built 1905 |
| Lot Size | 0.126 acres (5,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $515,000 (Oct 2009) |
| Tax Bill | $12,778 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 47630-34 |
| Primary APN | 47630-34 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,858 sqft Living Area |
| Gross Area | 5,136 sqft |
| Basement Area | 1,116 sqft |
| Unfinished Basement | 1,116 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,492 sqft (0.126 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 610 |
|---|---|
| Street Address | 48 SPRUCE ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1904 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | T |
| Legal Subdivision | MEREDITH W PALMER ES SMILE |
| Legal Block | 11A |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 370401 |
48 Spruce St, a duplex, is owned and occupied by an individual who bought it in October 2009.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 48 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2009 · Amount on File |
| Deed Sale | Oct 1, 2009 · Amount on File |
| Prior Sale | Dec 31, 1998 · Amount on File |
| Deed Document Number | 2009192394 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 48 Spruce St was $12,778, up 7.4% 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 | $12,778.00 (+7.36%) | $1,047,400 (+2.79%) Land $525,400 Building $522,000 | $1,060,189 |
| 2025 | $11,902.00 (+12.68%) | $1,019,000 (+12.87%) Land $525,400 Building $493,600 | |
| 2024 | $10,563.00 (-11.23%) | $902,800 (+3.04%) Land $511,600 Building $391,200 | |
| 2023 | $11,899.00 | $876,200 Land $489,400 Building $386,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 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 risk around 48 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.
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 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 |
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