Middlesex County and Watertown City property record for 49 Bancroft St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,176 sqft · built 1930 |
| Lot Size | 0.074 acres (3,229 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $389,900 (Jul 2013) |
| Tax Bill | $9,346 (2026) |
| Deeds & Mortgages | Jan 2022 Refinance Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5540-13 |
| Primary APN | 5540-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 2,102 sqft |
| Basement Area | 572 sqft |
| Unfinished Basement | 572 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,229 sqft (0.074 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 5370 |
|---|---|
| Street Address | 49 BANCROFT ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-3616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | T |
| Legal Block | 18 |
| Legal Lot Number | 131 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 370101 |
Source: Middlesex County and Watertown City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 49 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| Aug 31, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2013 · Amount on Record |
| Deed Sale | Jul 31, 2013 · Amount on Record |
| Prior Sale | Jul 31, 2013 · Amount on Record |
| Deed Document Number | 2013167145 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 49 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 079546-399 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 79546/399 |
| Instrument | 9114 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 49 BANCROFT ST, WATERTOWN, MA 02472-3616 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 71560-1 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 71560/1 |
| Instrument | 135023 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 1, 2058 |
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 | $9,346.00 (+6.02%) | $766,100 (+1.51%) Land $498,400 Building $267,700 | $775,865 (-) |
| 2025 | $8,815.00 (+10.26%) | $754,700 (+10.45%) Land $498,400 Building $256,300 | $775,865 (+8.07%) |
| 2024 | $7,995.00 (-9.28%) | $683,300 (+5.29%) Land $473,300 Building $210,000 | $717,915 |
| 2023 | $8,813.00 | $649,000 Land $452,700 Building $196,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 856 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 |
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