485 Main St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 485 Main St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,225 sqft · built 1910
Lot Size	0.12 acres (5,241 sqft)
Owner	Individual Name on File
Tax Bill	$6,455 (2026)
Deeds & Mortgages	Jun 2023 Refinance Nov 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10155`

Property Details

APN / Parcel Number

Primary APN	`10155`
Alternative APN	`WATE M:0602 B:0002 L:0049B`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,225 sqft Living Area
Gross Area	1,952 sqft
Basement Area	603 sqft
Unfinished Basement	603 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,241 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	10155
Street Address	485 MAIN ST
City	WATERTOWN
State	MA
Zip	02472-2243
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Block	2
Legal Lot Number	49B
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3016
Census Tract	370101

Owner

485 Main St, a condominium, is owned and occupied by an individual who acquired it in May 2013.

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

Owner of Record	Individual Name on File
Mailing Address	485 MAIN ST, WATERTOWN, MA 02472-2243
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

Date	Document
Jun 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit WATERTOWN SAVINGS BANK
Apr 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage WATERTOWN SAVINGS BANK
Mar 19, 2018	Deed of Trust, Mortgage · Line of Credit WATERTOWN SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2013
Deed Sale	May 16, 2013
Prior Sale	Dec 31, 2012 · Amount on File
Deed Book / Page	61810 / 456
Transfer Doc	0060858-27
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	485 MAIN ST, WATERTOWN, MA 02472-2243
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081661-364
Date	Jun 15, 2023
Book Page	81661/364
Instrument	64565

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	485 MAIN ST, WATERTOWN, MA 02472-2243
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084922-196
Date	Nov 24, 2025
Book Page	84922/196
Instrument	144504

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	485 MAIN ST, WATERTOWN, MA 02472-2243
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069161-352
Date	Apr 19, 2017
Book Page	69161/352
Instrument	56855

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	485 MAIN ST, WATERTOWN, MA 02472-2243
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070753-155
Date	Mar 19, 2018
Book Page	70753/155
Instrument	36738

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 485 Main St was $6,455, 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	$6,455.00 (+4.45%)	$529,100 (-) Building $529,100	$600,351 (-21.57%)
2025	$6,180.00 (+5.48%)	$529,100 (+5.65%) Building $529,100	$765,415 (+16.63%)
2024	$5,859.00 (-6.18%)	$500,800 (+8.89%) Building $500,800	$656,260
2023	$6,245.00	$459,900 Building $459,900

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

Flood

FEMA maps place 485 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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 Policies	1 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 485 Main 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.

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 926 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 Fiber · Fixed Wireless in parts of the area	980 / 880

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

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