497 Main St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 497 Main St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,280 sqft · built 1980
Lot Size	0.096 acres (4,185 sqft)
Owner	Individual Name on Record
Last Sale	$582,500 (Jun 2018)
Tax Bill	$9,342 (2026)
Deeds & Mortgages	May 2021 Refinance Nov 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32960-36`

Property Details

APN / Parcel Number

Primary APN	`32960-36`
Alternative APNs	`WATE M:0603 B:0001 L:0074` `7756`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,280 sqft Living Area
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,185 sqft (0.096 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7756
Street Address	497 MAIN ST
City	WATERTOWN
State	MA
Zip	02472-2218
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Block	1
Legal Lot Number	74
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3015
Census Tract	370101

Owner

Source: Middlesex County and Watertown 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	Individual Name on Record
Mailing Address	497 MAIN ST, WATERTOWN, MA 02472-2218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Nov 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Apr 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Jul 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Jun 15, 2018	Condominium Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2018 · Amount on Record
Deed Sale	Jun 15, 2018 · Amount on Record
Prior Sale	Jul 29, 2014 · Amount on Record
Deed Document Number	201886946
Deed Book / Page	71167 / 492
Transfer Doc	63198-365
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	497 MAIN ST, WATERTOWN, MA 02472-2218
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77753-173
Date	May 12, 2021
Book Page	77753/173
Instrument	107983

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	497 MAIN ST, WATERTOWN, MA 02472-2218
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73724-329
Date	Nov 26, 2019
Book Page	73724/329
Instrument	186738

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	497 MAIN ST, WATERTOWN, MA 02472-2218
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72459-206
Date	Apr 16, 2019
Book Page	72459/206
Instrument	46523

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	497 MAIN ST, WATERTOWN, MA 02472-2218
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75144-577
Date	Jul 17, 2020
Book Page	75144/577
Instrument	116344

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jun 15, 2018
Property Address	497 MAIN ST, WATERTOWN, MA 02472-2218
Document Number	71167-492
Book / Page	071167 / 000492
Instrument Date	May 23, 2018
Instrument	86946
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,656.20
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	497 MAIN ST #497 WATERTOWN MA 024722218, 497, WATERTOWN, MA 02472-2218

Mortgage

Document Number	71167-494
Date	Jun 15, 2018
Book Page	071167/000494
Instrument	86947

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2048

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
2026	$9,342.00 (+4.46%)	$765,700 (-) Building $765,700	$796,005 (-)
2025	$8,943.00 (+14.27%)	$765,700 (+14.47%) Building $765,700	$796,005 (+6.78%)
2024	$7,826.00 (-6.34%)	$668,900 (+8.71%) Building $668,900	$745,465
2023	$8,356.00	$615,300 Building $615,300

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	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

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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