65 Gilbert St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 65 Gilbert St, Watertown, MA 02472

Property Summary

Property Type	Triplex
Details	3 bd · 3 ba · 2,144 sqft · built 1930
Lot Size	0.116 acres (5,037 sqft)
Owner	Individual Name on File
Last Sale	$853,000 (Oct 2020)
Tax Bill	$11,601 (2026)
Deeds & Mortgages	Sep 2021 Refinance Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30930-06`

Property Details

APN / Parcel Number

Primary APN	`30930-06`
Alternative APNs	`WATE M:0605 B:0032 L:0142` `7829`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,144 sqft Living Area
Gross Area	3,176 sqft
Basement Area	744 sqft
Unfinished Basement	744 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,037 sqft (0.116 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7829
Street Address	65 GILBERT ST
City	WATERTOWN
State	MA
Zip	02472-1774
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	T
Legal Block	32
Legal Lot Number	142
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3001
Census Tract	370101

Owner

65 Gilbert St, a triplex, is owned by an individual who bought it in October 2020.

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	Individual Name on File
Mailing Address	405 CONCORD AVE, BELMONT, MA 02478-7800
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Oct 15, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVISION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2020 · Amount on File
Deed Sale	Oct 15, 2020 · Amount on File
Prior Transfer Date	Oct 8, 2020
Prior Transfer Doc	75887-522
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	65 GILBERT ST, WATERTOWN, MA 02472-1774
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78625-307
Date	Sep 3, 2021
Book Page	78625/307
Instrument	197802

Lender

Name	ENVISION BANK

Agreement

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

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Oct 15, 2020
Property Address	65 GILBERT ST, WATERTOWN, MA 02472-1774
Document Number	75887-522
Book / Page	75887 / 522
Instrument Date	Oct 8, 2020
Instrument	187024
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	$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

Mortgage

Document Number	187025
Date	Oct 15, 2020
Instrument	187025

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 65 Gilbert St was $11,601, up 8.4% 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
2026	$11,601.00 (+8.41%)	$950,900 (+3.79%) Land $520,700 Building $430,200
2025	$10,701.00 (+5.68%)	$916,200 (+5.86%) Land $520,700 Building $395,500
2024	$10,126.00 (-11.54%)	$865,500 (+2.68%) Land $521,500 Building $344,000
2023	$11,447.00	$842,900 Land $498,900 Building $344,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 65 Gilbert St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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.

Wildfire

The area around 65 Gilbert St 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 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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