6 Derby Rd, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 6 Derby Rd, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,486 sqft · built 1926
Lot Size	0.135 acres (5,899 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Nov 2018)
Tax Bill	$12,420 (2026)
Deeds & Mortgages	Mar 2020 Refinance Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1070-31`

Property Details

APN / Parcel Number

Primary APN	`1070-31`
Alternative APNs	`WATE M:0120 B:0015 L:0002` `2590`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,486 sqft Living Area
Gross Area	4,106 sqft
Basement Area	1,222 sqft
Unfinished Basement	1,222 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,899 sqft (0.135 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	2590
Street Address	6 DERBY RD
City	WATERTOWN
State	MA
Zip	02472-2544
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Block	15
Legal Lot Number	2
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2005
Census Tract	370403

Owner

6 Derby Rd, a duplex, is owned by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	8 DERBY RD, WATERTOWN, MA 02472-2544
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
Mar 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Nov 30, 2018	Quit Claim Deed, Transfer · FHA Mortgage ABSM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2018 · Amount on File
Deed Sale	Nov 30, 2018 · Amount on File
Deed Book / Page	71955 / 204
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	6 DERBY RD, WATERTOWN, MA 02472-2544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74330-133
Date	Mar 23, 2020
Book Page	74330/133
Instrument	42637

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Nov 30, 2018
Property Address	6 DERBY RD, WATERTOWN, MA 02472-2544
Document Number	71955-204
Book / Page	71955 / 204
Instrument	183384
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92.43
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	719550207
Date	Nov 30, 2018
Instrument	71955/0207

Lender

Name	ABSM

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 30, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 6 Derby Rd was $12,420, up 7.2% 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	$12,420.00 (+7.15%)	$1,018,000 (+2.58%) Land $529,700 Building $488,300	$996,353
2025	$11,591.00 (+9.55%)	$992,400 (+9.73%) Land $529,700 Building $462,700
2024	$10,581.00 (-11.23%)	$904,400 (+3.04%) Land $516,000 Building $388,400
2023	$11,919.00	$877,700 Land $493,500 Building $384,200

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

Flood

FEMA maps place 6 Derby Rd in Zone X, an area of minimal flood risk.

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

The area around 6 Derby Rd 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 541 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 · Fiber in parts of the area	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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