5 Rutledge Ter, Waltham, MA 02452 Property Records

Middlesex County and Waltham City property record for 5 Rutledge Ter, Waltham, MA 02452

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,946 sqft · built 1978
Lot Size	0.466 acres (20,299 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Nov 2016)
Tax Bill	$12,877 (2026)
Deeds & Mortgages	Sep 2021 Refinance Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`100875`

Property Details

APN / Parcel Number

Primary APN	`100875`
Alternative APN	`WALT M:034 B:003 L:0003`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,946 sqft Living Area
Gross Area	5,239 sqft
Basement Area	1,977 sqft
Unfinished Basement	1,977 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,299 sqft (0.466 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	100875
Street Address	5 RUTLEDGE TER
City	WALTHAM
State	MA
Zip	02452-4737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Block	3
Legal Lot Number	3
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	3
Census Block	3014
Census Tract	368901

Owner

Source: Middlesex County and Waltham 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 Individual Names on Record
Mailing Address	5 RUTLEDGE TER, WALTHAM, MA 02452-4737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Sep 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Sep 2, 2020	Deed of Trust, Mortgage · Balloon Mortgage ROCKLAND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2016 · Amount on Record
Deed Sale	Nov 30, 2016 · Amount on Record
Prior Sale	Nov 2, 2009 · Amount on Record
Deed Book / Page	68506 / 242
Transfer Doc	068506-242
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	5 RUTLEDGE TER, WALTHAM, MA 02452-4737
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078806-10
Date	Sep 29, 2021
Book Page	78806/10
Instrument	215427

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	5 RUTLEDGE TER, WALTHAM, MA 02452-4737
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78806-10
Date	Sep 29, 2021
Book Page	78806/10
Instrument	215427

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	5 RUTLEDGE TER, WALTHAM, MA 02452-4737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75511-375
Date	Sep 2, 2020
Book Page	75511/375
Instrument	151782

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Waltham City
Unified School District	Waltham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,877.00 (+1.97%)	$1,247,800 (-2.96%) Land $620,100 Building $627,700	$1,503,031 (+12.8%)
2025	$12,628.00 (+3.96%)	$1,285,900 (+2.05%) Land $577,100 Building $708,800	$1,332,470 (+9.26%)
2024	$12,147.00 (+1.23%)	$1,260,100 (+8.37%) Land $550,100 Building $710,000	$1,219,515
2023	$12,000.00	$1,162,800 Land $500,100 Building $662,700

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
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	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
Lead	2 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	1 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 207 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

May also be available: T-Mobile.

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