78 Watson Rd, Belmont, MA 02478 Property Records

Middlesex County and Belmont Town property record for 78 Watson Rd, Belmont, MA 02478

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,448 sqft · built 1939
Lot Size	0.132 acres (5,760 sqft)
Owner	2 Individual Names on File
Last Sale	$765,000 (Apr 2009)
Tax Bill	$17,962 (2025)
Deeds & Mortgages	Mar 2021 Refinance Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BELM M:21 P:000084 S`

Property Details

APN / Parcel Number

Primary APN	`BELM M:21 P:000084 S`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,448 sqft Living Area
1st Floor Area	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	5,760 sqft (0.132 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	78 WATSON RD
City	BELMONT
State	MA
Zip	02478-3928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC
Jurisdiction	BELMONT MA
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1020
Census Tract	357200

Owner

78 Watson Rd is owned and occupied by two individuals who bought it in April 2009.

Source: Middlesex County and Belmont Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	78 WATSON RD, BELMONT, MA 02478-3928
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
Mar 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jul 26, 2017	Deed of Trust, Mortgage MIT FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2009 · Amount on File
Deed Sale	Apr 30, 2009 · Amount on File
Prior Sale	Dec 10, 1991 · Amount on File
Deed Document Number	200974393
Deed Book / Page	52676 / 140
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	78 WATSON RD, BELMONT, MA 02478-3928
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77305-269
Date	Mar 23, 2021
Book Page	77305/269
Instrument	64498

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELMONT MA
Property Address	78 WATSON RD, BELMONT, MA 02478-3928
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69664-192
Date	Jul 26, 2017
Book Page	69664/192
Instrument	117300

Lender

Name	MIT FEDERAL CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 78 Watson Rd was $17,962.

Source: Middlesex County and Belmont Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Belmont Town
Unified School District	Belmont School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,962.00	$1,577,000 Land $764,000 Building $813,000	$1,349,380 (-3.06%)
2024			$1,391,940
2023	$15,882.00	$1,413,000 Land $831,000 Building $582,000

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

Flood

FEMA maps place 78 Watson Rd in Zone X, an area of minimal flood risk, though there have been 14 flood claims 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 Policies	6 in force
Nearby Flood Claims	14 (1979–2010)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Severe Storms And Flooding, May 2006 · 2 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims

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.

Wildfire

The area around 78 Watson Rd 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	BELMONT WATER DEPT. (MWRA) serves 27,442 people · EPA ID MA3026000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jul 2023
Lead	2 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 584 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Starry.

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