Middlesex County and Watertown City property record for 699 Main St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,769 sqft · built 1930 |
| Lot Size | 0.13 acres (5,645 sqft) |
| Owner | Individual Name on File |
| Last Sale | $570,000 (Sep 2019) |
| Tax Bill | $10,149 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Sep 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33280-31 |
| Primary APN | 33280-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,769 sqft Living Area |
| Gross Area | 3,554 sqft |
| Basement Area | 1,093 sqft |
| Unfinished Basement | 1,093 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,645 sqft (0.13 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 8347 |
|---|---|
| Street Address | 699 MAIN ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-2126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S-6 |
| Legal Block | 5 |
| Legal Lot Number | 1 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 370101 |
699 Main St is owned and occupied by an individual who bought it in September 2019.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 699 MAIN ST, WATERTOWN, MA 02472-2126 |
| 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 |
|---|---|
| Jun 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Sep 12, 2019 | Personal Representative Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Apr 29, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Aug 23, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2019 · Amount on File |
| Deed Sale | Sep 12, 2019 · Amount on File |
| Prior Transfer Date | Apr 3, 2019 |
| Prior Transfer Doc | 1811946 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Property Address | 699 MAIN ST, WATERTOWN, MA 02472-2126 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1882896 |
|---|---|
| Date | Jun 11, 2021 |
| Instrument | 1882896 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Sep 12, 2019 |
| Property Address | 699 MAIN ST, WATERTOWN, MA 02472-2126 |
| Document Number | 0000023310 |
| Instrument Date | Sep 9, 2019 |
| Instrument | 23310 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,599.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 699 MAIN ST WATERTOWN MA 024722126, WATERTOWN, MA 02472-2126 |
| Document Number | 23311 |
|---|---|
| Date | Sep 12, 2019 |
| Instrument | 23311 |
| Name | GUARANTEED RATE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Apr 29, 2019 |
| Property Address | 699 MAIN ST, WATERTOWN, MA 02472-2126 |
| Document Number | 0000011946 |
| Instrument Date | Apr 3, 2019 |
| Instrument | 11946 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 699 MAIN ST WATERTOWN MA 024722126, WATERTOWN, MA 02472-2126 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WATERTOWN MA |
| Recording Date | Aug 23, 2017 |
| Property Address | 699 MAIN ST, WATERTOWN, MA 02472-2126 |
| Document Number | 0000068562 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 68562 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 15 OAK AVE WEST NEWTON MA 024651814, WEST NEWTON, MA 02465-1814 |
The 2026 property tax bill for 699 Main St was $10,149, up 6.2% 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 | $10,149.00 (+6.22%) | $831,900 (+1.69%) Land $498,500 Building $333,400 | $890,720 (-) |
| 2025 | $9,555.00 (+13.63%) | $818,100 (+13.83%) Land $498,500 Building $319,600 | $890,720 (+6.95%) |
| 2024 | $8,409.00 (-8.06%) | $718,700 (+6.71%) Land $483,900 Building $234,800 | $832,865 |
| 2023 | $9,146.00 | $673,500 Land $462,200 Building $211,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 699 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 699 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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