76 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 76 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,651 sqft · built 1902
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,250,000 (Jul 2022)
Tax Bill	$14,270 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47730-26`

Property Details

APN / Parcel Number

Primary APN	`47730-26`
Alternative APNs	`WATE M:1025 B:0017 L:0000` `616`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,651 sqft Living Area
Gross Area	4,986 sqft
Basement Area	1,170 sqft
Unfinished Basement	1,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Architectural Style	Victorian
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,000 sqft (0.184 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	616
Street Address	76 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	17
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1003
Census Tract	370401

Owner

76 Spruce St is owned and occupied by two individuals who bought it in July 2022.

Source: Middlesex County and Watertown City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	76 SPRUCE ST, WATERTOWN, MA 02472-1904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2022 · Amount on File
Deed Sale	Jul 8, 2022 · Amount on File
Prior Sale	Nov 8, 1994 · Amount on File
Record Updated	Oct 29, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jul 8, 2022
Property Address	76 SPRUCE ST, WATERTOWN, MA 02472-1904
Document Number	080402-410
Book / Page	80402 / 410
Instrument Date	Jul 8, 2022
Instrument	104036
Transaction Type	Transfer
Record Updated	Jul 22, 2022

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
Relationship	Tenants by the Entirety
Address	76 SPRUCE ST, WATERTOWN, MA 02472-1904

Mortgage

Document Number	0000104037
Date	Jul 8, 2022
Instrument	104037

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 76 Spruce St was $14,270, up 4.5% 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	Assessed Market Value
2026	$14,270.00 (+4.45%)	$1,169,700 (-) Land $553,200 Building $616,500	$1,454,450 (-)
2025	$13,662.00 (+3.5%)	$1,169,700 (+3.68%) Land $553,200 Building $616,500	$1,454,450 (+6.07%)
2024	$13,200.00 (+7.2%)	$1,128,200 (+24.42%) Land $522,700 Building $605,500	$1,371,230
2023	$12,314.00	$906,800 Land $500,000 Building $406,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 76 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 76 Spruce St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 618 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 Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20