Middlesex County and Waltham City property record for 74 School St, Apt 3, Waltham, MA 02452
| Property Type | Condominium |
|---|---|
| Details | 1 bd · 1 ba · 689 sqft · built 1985 |
| Lot Size | 0.197 acres (8,588 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Sep 2023) |
| Tax Bill | $3,697 (2026) |
| Deeds & Mortgages | Jan 2023 Line of Credit Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 174457 |
| Primary APN | 174457 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Units | 34 Units |
| Stories | 3 Stories |
| Building Area | 689 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 8,588 sqft |
| Account Number | 174457 |
|---|---|
| Street Address | 74 SCHOOL ST, 3 |
| City | WALTHAM |
| State | MA |
| Zip | 02452-5530 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Block | 7 |
| Legal Lot Number | 1 002 |
| Jurisdiction | WALTHAM MA |
| Township / Civil Division | WALTHAM |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 368902 |
74 School St, Apt 3 is owned and occupied by an individual who bought it in September 2023.
Source: Middlesex County and Waltham City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 74 SCHOOL ST, 3, WALTHAM, MA 02452-5530 |
| 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 |
|---|---|
| Jan 19, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 8, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage EAST CAMBRIDGE SAVINGS BANK |
| Sep 28, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Oct 20, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2023 · Amount on File |
| Deed Sale | Sep 8, 2023 · Amount on File |
| Prior Sale | Oct 20, 2017 · Amount on File |
| Deed Book / Page | 81979 / 286 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 74 SCHOOL ST APT 3, 3, WALTHAM, MA 02452-5530 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081177-252 |
|---|---|
| Date | Jan 19, 2023 |
| Book Page | 81177/252 |
| Instrument | 6603 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Feb 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTHAM MA |
| Recording Date | Sep 8, 2023 |
| Property Address | 74 SCHOOL ST APT 3, 3, WALTHAM, MA 02452-5530 |
| Document Number | 081979-286 |
| Book / Page | 81979 / 286 |
| Instrument Date | Sep 8, 2023 |
| Instrument | 101950 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2023 |
| 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 |
|---|---|
| Address | 74 SCHOOL ST APT 1R, 1R, WALTHAM, MA 02452-5530 |
| Document Number | 0000101951 |
|---|---|
| Date | Sep 8, 2023 |
| Instrument | 101951 |
| Name | EAST CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Oct 1, 2030 |
| Max Rate At Change | 2.75% |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTHAM MA |
| Property Address | 74 SCHOOL ST APT 3, 3, WALTHAM, MA 02452-5530 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75738-45 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 75738/45 |
| Instrument | 172831 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTHAM MA |
| Recording Date | Oct 20, 2017 |
| Property Address | 74 SCHOOL ST APT 3, 3, WALTHAM, MA 02452-5530 |
| Document Number | 70110-24 |
| Book / Page | 070110 / 000024 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 765 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,454.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 74 SCHOOL ST #1R WALTHAM MA 024525530, 1R, WALTHAM, MA 02452-5530 |
| Document Number | 70110-27 |
|---|---|
| Date | Oct 20, 2017 |
| Book Page | 070110/000027 |
| Instrument | 766 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 19, 2047 |
The 2026 property tax bill for 74 School St, Apt 3 was $3,697, up 8.4% from the year before.
Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Waltham City |
| Unified School District | Waltham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,697.00 (+8.42%) | $358,200 (+3.17%) Building $358,200 | $372,839 (-5.29%) |
| 2025 | $3,410.00 (-9.88%) | $347,200 (-11.54%) Building $347,200 | $393,680 (+5.07%) |
| 2024 | $3,784.00 (-6.59%) | $392,500 (-) Building $392,500 | $374,680 |
| 2023 | $4,051.00 | $392,500 Building $392,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 74 School St, Apt 3 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 Claims | 1 (1979) |
| Most Recent Claim | Jan 1979 · rainfall accumulation |
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 74 School St, Apt 3 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 | WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 435 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 |
| AT&T Fixed Wireless | 100 / 20 |
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