48 Sterling Rd, Waltham, MA 02451 Property Records

Middlesex County and Waltham City property record for 48 Sterling Rd, Waltham, MA 02451

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,249 sqft · built 1902
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$611,000 (Jun 2018)
Tax Bill	$6,911 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`107681`

Property Details

APN / Parcel Number

Primary APN	`107681`
Alternative APN	`WALT M:050 B:039 L:0017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,249 sqft Living Area
Gross Area	2,810 sqft
Basement Area	973 sqft
Unfinished Basement	973 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	107681
Street Address	48 STERLING RD
City	WALTHAM
State	MA
Zip	02451-0712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Subdivision	NP BANKS ESTATE
Legal Block	39
Legal Lot Number	17
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	1
Census Block	1016
Census Tract	368200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	48 STERLING RD, WALTHAM, MA 02451-0712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2019	Deed of Trust, Mortgage · ARM PEOPLES UNITED BANK
Jun 29, 2018	Quit Claim Deed, Transfer BELMONT SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Prior Sale	May 10, 2006 · Amount on Record
Deed Book / Page	71250 / 383
Transfer Doc	071250-383
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	48 STERLING RD, WALTHAM, MA 02451-0712
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73249-351
Date	Sep 9, 2019
Book Page	73249/351
Instrument	136088

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Oct 1, 2029

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	Jun 29, 2018
Property Address	48 STERLING RD, WALTHAM, MA 02451-0712
Document Number	71250-383
Book / Page	71250 / 383
Instrument	96810
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 STERLING RD, WALTHAM, MA 02451-0712

Mortgage

Document Number	712500386
Date	Jun 29, 2018
Instrument	71250/0386

Lender

Name	BELMONT SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2048

Tax Assessment & Valuation

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	$6,911.00 (+10.05%)	$669,700 (+4.72%) Land $396,900 Building $272,800	$731,985 (+4.45%)
2025	$6,280.00 (+1.54%)	$639,500 (-0.33%) Land $378,000 Building $261,500	$700,815 (-1.91%)
2024	$6,185.00 (+0.78%)	$641,600 (+7.89%) Land $378,000 Building $263,600	$714,495
2023	$6,137.00	$594,700 Land $343,000 Building $251,700

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

Flood

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

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 701 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 · Fiber in parts of the area	1,500 / 50

May also be available: AT&T, T-Mobile.

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