51 Irma Ave, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 51 Irma Ave, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,806 sqft · built 1920
Lot Size	0.115 acres (5,026 sqft)
Owner	2 Individual Names on File
Last Sale	$815,000 (Feb 2022)
Tax Bill	$11,309 (2026)
Deeds & Mortgages	Sep 2023 Refinance Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54080-04`

Property Details

APN / Parcel Number

Primary APN	`54080-04`
Alternative APNs	`WATE M:1139 B:0013 L:0063` `2091`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,806 sqft Living Area
Gross Area	3,718 sqft
Basement Area	875 sqft
Unfinished Basement	875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	5,026 sqft (0.115 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	2091
Street Address	51 IRMA AVE
City	WATERTOWN
State	MA
Zip	02472-3530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	13
Legal Lot Number	63
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	5
Census Block	5007
Census Tract	370301

Owner

51 Irma Ave is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	51 IRMA AVE, WATERTOWN, MA 02472-3530
Occupancy	Owner Occupied
Owner Type	Individual

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 14, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Feb 24, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2022 · Amount on File
Deed Sale	Feb 24, 2022 · Amount on File
Deed Book / Page	79735 / 161
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	51 IRMA AVE, WATERTOWN, MA 02472-3530
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081993-376
Date	Sep 14, 2023
Book Page	81993/376
Instrument	103695

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Feb 24, 2022
Property Address	51 IRMA AVE, WATERTOWN, MA 02472-3530
Document Number	079735-161
Book / Page	79735 / 161
Instrument Date	Feb 24, 2022
Instrument	29537
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Joint Tenants with Right of Survivorship
Address	51 IRMA AVE, WATERTOWN, MA 02472-3530

Mortgage

Document Number	0000029538
Date	Feb 24, 2022
Instrument	29538

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 51 Irma Ave was $11,309, up 6% 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	$11,309.00 (+5.99%)	$927,000 (+1.48%) Land $520,600 Building $406,400	$1,393,745 (-)
2025	$10,670.00 (+13.57%)	$913,500 (+13.76%) Land $520,600 Building $392,900	$1,393,745 (+51.11%)
2024	$9,395.00 (-10.17%)	$803,000 (+4.26%) Land $491,900 Building $311,100	$922,355
2023	$10,459.00	$770,200 Land $470,500 Building $299,700

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

Flood

FEMA maps place 51 Irma Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 51 Irma Ave 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 598 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Starry.

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