78 Walnut St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 78 Walnut St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	3 bd · 3.5 ba · 2,738 sqft · built 2011
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on File
Tax Bill	$12,284 (2026)
Deeds & Mortgages	Oct 2019 Refinance Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48460-22`

Property Details

APN / Parcel Number

Primary APN	`48460-22`
Alternative APNs	`WATE M:1032 B:0059 L:0011` `876`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,738 sqft Living Area
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	876
Street Address	78 WALNUT ST
City	WATERTOWN
State	MA
Zip	02472-4028
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Subdivision	WATERTOWN
Legal Block	59
Legal Lot Number	11
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

78 Walnut St, a condominium, is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	78 WALNUT ST, WATERTOWN, MA 02472-4028
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ONE WEST BANK FSB
Oct 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ONE WEST BANK FSB
Dec 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE AMERICA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	78 WALNUT ST, WATERTOWN, MA 02472-4028
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73550-410
Date	Oct 30, 2019
Book Page	73550/410
Instrument	167941

Lender

Name	ONE WEST BANK FSB

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	78 WALNUT ST, WATERTOWN, MA 02472-4028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73456-406
Date	Oct 15, 2019
Book Page	73456/406
Instrument	158056

Lender

Name	ONE WEST BANK FSB

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	78 WALNUT ST, WATERTOWN, MA 02472-4028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76577-83
Date	Dec 30, 2020
Book Page	76577/83
Instrument	251948

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 78 Walnut St was $12,284, up 4.4% 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	$12,284.00 (+4.45%)	$1,006,900 (-) Building $1,006,900	$1,100,860 (-)
2025	$11,761.00 (+10.95%)	$1,006,900 (+11.14%) Building $1,006,900	$1,100,860 (+6.74%)
2024	$10,600.00 (-10.5%)	$906,000 (+3.88%) Building $906,000	$1,031,320
2023	$11,844.00	$872,200 Building $872,200

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

Flood

FEMA maps place 78 Walnut 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

The area around 78 Walnut 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.

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 557 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

May also be available: AT&T, Starry, T-Mobile, Verizon.

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