Middlesex County and Watertown City property record for 649 Main St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,398 sqft · built 1920 |
| Lot Size | 0.195 acres (8,499 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $483,500 (Sep 2014) |
| Tax Bill | $10,347 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit Jul 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33230-14 |
| Primary APN | 33230-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,398 sqft Living Area |
| Gross Area | 3,034 sqft |
| Basement Area | 784 sqft |
| Unfinished Basement | 784 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,499 sqft (0.195 acres) |
| Parking Spaces | 1 Parking Space |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 8257 |
|---|---|
| Street Address | 649 MAIN ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-2123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S-6 |
| Legal Block | 25 |
| Legal Lot Number | 61B |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 370101 |
Source: Middlesex County and Watertown City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 649 MAIN ST, WATERTOWN, MA 02472-2123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 25, 2022 | Deed of Trust, Mortgage · Line of Credit METRO CU |
| Jul 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP |
| Jul 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP |
| Nov 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHSTAR MTG |
| May 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHSTAR MTG |
| Oct 11, 2018 | Deed of Trust, Mortgage · Line of Credit ROCKLAND TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2014 · Amount on Record |
| Deed Sale | Sep 5, 2014 · Amount on Record |
| Deed Book / Page | 785 / 47 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 649 MAIN ST, WATERTOWN, MA 02472-2123 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001927744 |
|---|---|
| Date | Nov 25, 2022 |
| Instrument | 1927744 |
| Name | METRO CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 649 MAIN ST, WATERTOWN, MA 02472-2123 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001888214 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 1888214 |
| Name | NORTHSTAR MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 649 MAIN ST, WATERTOWN, MA 02472-2123 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1888214 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 1888214 |
| Name | NORTHSTAR MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 649 MAIN ST, WATERTOWN, MA 02472-2123 |
| Document Number | 0001861529 |
| Instrument Date | Nov 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 649 MAIN ST WATERTOWN MA 024722123, WATERTOWN, MA 02472-2123 |
| Document Number | 0001861529 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 1861529 |
| Name | NORTHSTAR MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 19, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 649 MAIN ST, WATERTOWN, MA 02472-2123 |
| Document Number | 0001841829 |
| Instrument Date | May 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 649 MAIN ST WATERTOWN MA 024722123, WATERTOWN, MA 02472-2123 |
| Document Number | 0001841829 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 1841829 |
| Name | NORTHSTAR MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 11, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 649 MAIN ST, WATERTOWN, MA 02472-2123 |
| Document Number | 0000099574 |
| Instrument Date | Oct 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Name | Verified Name |
|---|---|
| Address | 649 MAIN ST WATERTOWN MA 024722123, WATERTOWN, MA 02472-2123 |
| Document Number | 0000099574 |
|---|---|
| Date | Oct 16, 2018 |
| Instrument | 99574 |
| Name | ROCKLAND TR |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and Watertown City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Watertown City |
| Unified School District | Watertown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,347.00 (+8.32%) | $848,100 (+3.71%) Land $489,200 Building $358,900 | $794,526 (-3.69%) |
| 2025 | $9,552.00 (+4.27%) | $817,800 (+4.44%) Land $489,200 Building $328,600 | $824,980 (-0.66%) |
| 2024 | $9,161.00 (-9.63%) | $783,000 (+4.89%) Land $474,300 Building $308,700 | $830,490 |
| 2023 | $10,137.00 | $746,500 Land $466,600 Building $279,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 599 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures