Middlesex County and Watertown City property record for 665 Main St, Watertown, MA 02472
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,264 sqft · built 1920 |
| Lot Size | 0.093 acres (4,067 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $775,000 (Mar 2021) |
| Tax Bill | $10,415 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 33240-10 |
| Primary APN | 33240-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,264 sqft Living Area |
| Gross Area | 5,176 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 1,232 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 4,067 sqft (0.093 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 8265 |
|---|---|
| Street Address | 665 MAIN ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-2124 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | S-6 |
| Legal Subdivision | PLAN 1779Q |
| Legal Block | 1 |
| Legal Lot Number | 62B |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 370101 |
665 Main St, a duplex, is owned and occupied by two individuals who bought it in March 2021.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 665 MAIN ST, WATERTOWN, MA 02472-2124 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Mar 5, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2021 · Amount on File |
| Deed Sale | Mar 5, 2021 · Amount on File |
| Prior Sale | Dec 4, 1997 · Amount on File |
| Deed Document Number | 20211872093 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 665 MAIN ST, WATERTOWN, MA 02472-2124 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001996837 |
|---|---|
| Date | Mar 30, 2026 |
| Instrument | 1996837 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Mar 5, 2021 |
| Property Address | 665 MAIN ST, WATERTOWN, MA 02472-2124 |
| Document Number | 1872093 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 1872093 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 665 MAIN ST # 667, 667, WATERTOWN, MA 02472-2124 |
| Document Number | 1872094 |
|---|---|
| Date | Mar 5, 2021 |
| Instrument | 1872094 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 665 Main St was $10,415, up 7.2% from the year before.
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 | $10,415.00 (+7.24%) | $853,700 (+2.67%) Land $445,800 Building $407,900 | $963,666 |
| 2025 | $9,712.00 (+6.57%) | $831,500 (+6.75%) Land $445,800 Building $385,700 | |
| 2024 | $9,113.00 (-12.62%) | $778,900 (+1.42%) Land $446,100 Building $332,800 | |
| 2023 | $10,429.00 | $768,000 Land $438,900 Building $329,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 665 Main 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.
The area around 665 Main 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.
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 |
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