49 Phillips St, Watertown, MA 02472 Property Records

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

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,753 sqft · built 1890
Lot Size	0.183 acres (7,982 sqft)
Owner	2 Individual Names on File
Last Sale	$677,000 (Jan 2021)
Tax Bill	$9,267 (2025)
Deeds & Mortgages	Feb 2020 Refinance Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46800-09`

Property Details

APN / Parcel Number

Primary APN	`46800-09`
Alternative APNs	`WATE M:1013 B:0002 L:0U49` `11175`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,753 sqft Living Area
Gross Area	2,568 sqft
Basement Area	815 sqft
Unfinished Basement	815 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,982 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	11175
Street Address	49 PHILLIPS ST
City	WATERTOWN
State	MA
Zip	02472-3917
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SC
Legal Block	2
Legal Lot Number	U49
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2010
Census Tract	370401

Owner

Source: Middlesex County and Watertown City assessment roll, as of April 14, 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 File
Mailing Address	49 PHILLIPS ST, WATERTOWN, MA 02472-3917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WATERTOWN SAVINGS BANK
Jan 6, 2021	Condominium Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Mar 15, 2017	Quit Claim Deed, Transfer · Commercial Mortgage WATERTOWN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 6, 2021 · Amount on Record
Deed Sale	Jan 6, 2021 · Amount on Record
Prior Sale	Dec 31, 2020 · Amount on Record
Deed Book / Page	76626 / 250
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	49 PHILLIPS ST, WATERTOWN, MA 02472-3917
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	074153-244
Date	Feb 19, 2020
Book Page	74153/244
Instrument	24720

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2021: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jan 6, 2021
Property Address	49 PHILLIPS ST, WATERTOWN, MA 02472-3917
Document Number	076626-250
Book / Page	76626 / 250
Instrument Date	Dec 23, 2020
Instrument	2503
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	49-51 PHILLIPS ST # 49, 49, WATERTOWN, MA 02472

Mortgage

Document Number	0000002504
Date	Jan 6, 2021
Instrument	2504

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Mar 15, 2017
Property Address	49 PHILLIPS ST, WATERTOWN, MA 02472-3917
Document Number	069011-252
Book / Page	69011 / 252
Instrument	38597
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$68.76
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0690110257
Date	Mar 15, 2017
Instrument	69011/0257

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$9,267.00 (+8.4%)	$793,400 (+8.58%) Building $793,400	$914,280 (+11.43%)
2024	$8,549.00 (-9.9%)	$730,700 (+4.58%) Building $730,700	$820,515
2023	$9,488.00	$698,700 Building $698,700

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 Policies	2 in force

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

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 557 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Radiate Holdings Cable	1,500 / 50

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

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