49 Gilbert St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 49 Gilbert St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,686 sqft · built 1929
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on File
Last Sale	$687,000 (Jun 2017)
Tax Bill	$10,981 (2026)
Deeds & Mortgages	Sep 2020 Refinance Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30860-02`

Property Details

APN / Parcel Number

Primary APN	`30860-02`
Alternative APNs	`WATE M:0604 B:0017 L:0122` `7789`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,686 sqft Living Area
Gross Area	3,276 sqft
Basement Area	702 sqft
Unfinished Basement	702 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7789
Street Address	49 GILBERT ST
City	WATERTOWN
State	MA
Zip	02472-1783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Subdivision	BATES ESTATE
Legal Block	17
Legal Lot Number	122
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3014
Census Tract	370101

Owner

49 Gilbert St is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	49 GILBERT ST, WATERTOWN, MA 02472-1783
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BROKER SOLUTIONS INC
Jun 30, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2017 · Amount on File
Deed Sale	Jun 30, 2017 · Amount on File
Prior Sale	May 28, 2008 · Amount on File
Deed Book / Page	69536 / 208
Transfer Doc	069536-208
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	49 GILBERT ST, WATERTOWN, MA 02472-1783
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75746-474
Date	Sep 29, 2020
Book Page	75746/474
Instrument	173614

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jun 30, 2017
Property Address	49 GILBERT ST, WATERTOWN, MA 02472-1783
Document Number	69536-208
Book / Page	069536 / 000208
Instrument Date	Jun 26, 2017
Instrument	101718
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,132.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	49 GILBERT ST WATERTOWN MA 024721783, WATERTOWN, MA 02472-1783

Mortgage

Document Number	69536-213
Date	Jun 30, 2017
Book Page	069536/000213
Instrument	101719

Lender

Name	BROKER SOLUTIONS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 49 Gilbert St was $10,981, up 6.3% 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	$10,981.00 (+6.3%)	$900,100 (+1.78%) Land $509,400 Building $390,700	$962,255 (-)
2025	$10,330.00 (+10.28%)	$884,400 (+10.47%) Land $509,400 Building $375,000	$962,255 (+5.84%)
2024	$9,367.00 (-8.14%)	$800,600 (+6.62%) Land $481,300 Building $319,300	$909,150
2023	$10,197.00	$750,900 Land $460,400 Building $290,500

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

Flood

FEMA maps place 49 Gilbert 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 49 Gilbert 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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