644 Main St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 644 Main St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,460 sqft · built 1950
Lot Size	0.219 acres (9,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jun 2006)
Tax Bill	$10,387 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38190-29`

Property Details

APN / Parcel Number

Primary APN	`38190-29`
Alternative APNs	`WATE M:0719 B:0020B L:0000` `8758`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,460 sqft Living Area
Gross Area	3,342 sqft
Basement Area	1,460 sqft
Unfinished Basement	1,460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,560 sqft (0.219 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	8758
Street Address	644 MAIN ST
City	WATERTOWN
State	MA
Zip	02472-2130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S-6
Legal Block	20B
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1004
Census Tract	370104

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 Individual Names on Record
Mailing Address	644 MAIN ST, WATERTOWN, MA 02472-2130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 28, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2006 · Amount on Record
Deed Sale	Jun 9, 2006 · Amount on Record
Deed Document Number	2006105527
Deed Book / Page	47600 / 145
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Recording Date	Jul 29, 2026
Property Address	644 MAIN ST, WATERTOWN, MA 02472-2130
Document Number	0000094695
Book / Page	85945 / 199
Instrument Date	Jul 14, 2026
Instrument	202694695
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 MAIN ST, WATERTOWN, MA 02472-2130

Mortgage

Document Number	0000094695,
Date	Jul 29, 2026
Book Page	85945/199
Instrument	202694695

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	644 MAIN ST, WATERTOWN, MA 02472-2130
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081823-300
Date	Jul 28, 2023
Book Page	81823/300
Instrument	83695

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	644 MAIN ST, WATERTOWN, MA 02472-2130
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079302-193
Date	Dec 7, 2021
Book Page	79302/193
Instrument	264746

Lender

Name	ROCKLAND CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

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	$10,387.00 (+7.51%)	$851,400 (+2.94%) Land $499,200 Building $352,200	$820,174 (-2.89%)
2025	$9,661.00 (+11.14%)	$827,100 (+11.32%) Land $499,200 Building $327,900	$844,550 (+4.83%)
2024	$8,693.00 (-12.19%)	$743,000 (+1.92%) Land $484,200 Building $258,800	$805,600
2023	$9,900.00	$729,000 Land $476,300 Building $252,700

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	6 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

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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