499 Main St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 499 Main St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,403 sqft · built 1980
Lot Size	0.109 acres (4,763 sqft)
Owner	2 Trust Names on Record
Tax Bill	$10,250 (2026)
Deeds & Mortgages	Dec 2022 Sale Jul 2020 Mortgage
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:0074B` `10855`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,403 sqft Living Area
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	4,763 sqft
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	10855
Street Address	499 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	74B
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	2 Trust Names on Record
Mailing Address	499 MAIN ST, WATERTOWN, MA 02472-2218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2022	Condominium Deed, Transfer
Jul 15, 2020	Deed of Trust, Mortgage · ARM WATERTOWN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2015
Deed Sale	Jan 8, 2015
Prior Sale	Jul 30, 2014 · Amount on Record
Deed Book / Page	64770 / 246
Transfer Doc	0063999-25
Record Updated	Oct 29, 2026

December 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Dec 2, 2022
Property Address	499 MAIN ST, WATERTOWN, MA 02472-2218
Document Number	081015-596
Book / Page	81015 / 596
Instrument Date	Nov 30, 2022
Instrument	176513
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	499 MAIN ST, WATERTOWN, MA 02472-2218

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	499 MAIN ST, WATERTOWN, MA 02472-2218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75119-102
Date	Jul 15, 2020
Book Page	75119/102
Instrument	113882

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jul 1, 2025
Index	1-Year CMT

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	$10,250.00 (+4.44%)	$840,200 (-) Building $840,200	$805,203 (-1.4%)
2025	$9,814.00 (+13.55%)	$840,200 (+13.74%) Building $840,200	$816,620 (+16.12%)
2024	$8,643.00 (-6.28%)	$738,700 (+8.78%) Building $738,700	$703,285
2023	$9,222.00	$679,100 Building $679,100

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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