654 Main St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 654 Main St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,980 sqft · built 1901
Lot Size	0.203 acres (8,830 sqft)
Owner	Individual Name on Record
Last Sale	$980,000 (Feb 2026)
Tax Bill	$10,713 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38200-20`

Property Details

APN / Parcel Number

Primary APN	`38200-20`
Alternative APNs	`WATE M:0719 B:0018A L:0000` `8756`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,980 sqft Living Area
Gross Area	3,893 sqft
Basement Area	948 sqft
Unfinished Basement	948 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,830 sqft (0.203 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8756
Street Address	654 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	18A
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	Individual Name on Record
Mailing Address	32 WHITES AVE, 22, WATERTOWN, MA 02472-4320
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Deed Book / Page	85236 / 257
Prior Transfer Date	Feb 11, 2026
Prior Transfer Doc	085236-257
Record Updated	Oct 29, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Feb 17, 2026
Property Address	654 MAIN ST, WATERTOWN, MA 02472-2130
Document Number	085236-257
Book / Page	85236 / 257
Instrument Date	Feb 11, 2026
Instrument	17245
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Amount	Amount Recorded
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
Address	32 WHITES AVE APT 22, 22, WATERTOWN, MA 02472-4320

Mortgage

Document Number	0000017246
Date	Feb 17, 2026
Instrument	17246

Lender

Name	UNITED NATIONS FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Mar 1, 2032
Index	Other

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	$10,713.00 (+6.4%)	$878,100 (+1.86%) Land $493,000 Building $385,100	$955,281 (+0.89%)
2025	$10,069.00 (+7.47%)	$862,100 (+7.65%) Land $493,000 Building $369,100	$946,865 (-3.03%)
2024	$9,369.00 (-9.32%)	$800,800 (+5.26%) Land $477,400 Building $323,400	$976,410
2023	$10,332.00	$760,800 Land $469,700 Building $291,100

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 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