79 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 79 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,288 sqft · built 1902
Lot Size	0.21 acres (9,134 sqft)
Owner	2 Individual Names on File
Last Sale	$82,400 (Nov 1980)
Tax Bill	$12,975 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`47740-22`

Property Details

APN / Parcel Number

Primary APN	`47740-22`
Alternative APNs	`WATE M:1032 B:0069 L:0003` `886`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,288 sqft Living Area
Gross Area	5,135 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 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	Gable
Roof Material	Asphalt
Lot Area	9,134 sqft (0.21 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	886
Street Address	79 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	69
Legal Lot Number	3
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

79 Spruce St is owned and occupied by two individuals who bought it in November 1980.

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

Owner of Record	2 Individual Names on File
Mailing Address	79 SPRUCE ST, WATERTOWN, MA 02472-1903
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
Sep 25, 2023	Deed of Trust, Mortgage · Line of Credit WATERTOWN SAVINGS BANK
Oct 24, 2017	Deed of Trust, Mortgage · Line of Credit WATERTOWN SAVINGS BANK
Apr 16, 2019	Deed of Trust, Mortgage · ARM WATERTOWN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 1980 · Amount on File
Deed Sale	Nov 21, 1980 · Amount on File
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	79 SPRUCE ST, WATERTOWN, MA 02472-1903
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082028-318
Date	Sep 25, 2023
Book Page	82028/318
Instrument	107795

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	79 SPRUCE ST, WATERTOWN, MA 02472-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70120-58
Date	Oct 24, 2017
Book Page	70120/58
Instrument	171938

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	79 SPRUCE ST, WATERTOWN, MA 02472-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72457-397
Date	Apr 16, 2019
Book Page	72457/397
Instrument	46380

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Apr 1, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 79 Spruce St was $12,975, 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	$12,975.00 (+4.45%)	$1,063,500 (-) Land $567,500 Building $496,000	$1,389,850 (-)
2025	$12,422.00 (+12.19%)	$1,063,500 (+12.39%) Land $567,500 Building $496,000	$1,389,850 (+32.37%)
2024	$11,072.00 (-5.83%)	$946,300 (+9.3%) Land $534,400 Building $411,900	$1,049,940
2023	$11,758.00	$865,800 Land $511,200 Building $354,600

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

Flood

FEMA maps place 79 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

The area around 79 Spruce 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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