81 Boyd St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 81 Boyd St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	10 bd · 2.5 ba · 4,180 sqft · built 1900
Lot Size	0.217 acres (9,450 sqft)
Owner	2 Individual Names on File
Last Sale	$54,000 (Apr 1998)
Tax Bill	$15,349 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Apr 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`405-33`

Property Details

APN / Parcel Number

Primary APN	`405-33`
Alternative APNs	`WATE M:0114 B:0011 L:0033` `2120`

Interior

Bedrooms	10 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	3 Stories
Building Area	4,180 sqft Living Area
Gross Area	5,738 sqft
Basement Area	1,366 sqft
Unfinished Basement	1,366 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Slate
Lot Area	9,450 sqft (0.217 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	2120
Street Address	81 BOYD ST
City	WATERTOWN
State	MA
Zip	02472-2536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	11
Legal Lot Number	33
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2015
Census Tract	370403

Owner

81 Boyd St is owned and occupied by two individuals who acquired it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	81 BOYD ST, WATERTOWN, MA 02472-2536
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
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 26, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 1998 · Amount on File
Deed Sale	Apr 24, 1998 · Amount on File
Prior Sale	Jan 4, 1990 · Amount on File
Last Transfer Date	Apr 20, 2022
Transfer Doc	080028-472
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	81 BOYD ST, WATERTOWN, MA 02472-2536
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080343-431
Date	Jun 28, 2022
Book Page	80343/431
Instrument	97248

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Apr 26, 2022
Property Address	81 BOYD ST, WATERTOWN, MA 02472-2536
Document Number	080028-472
Book / Page	80028 / 472
Instrument Date	Apr 20, 2022
Instrument	61744
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	81 BOYD ST, WATERTOWN, MA 02472-2536

Tax Assessment & Valuation

The 2026 property tax bill for 81 Boyd St was $15,349, up 9% 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	$15,349.00 (+8.97%)	$1,258,100 (+4.32%) Land $570,300 Building $687,800	$1,637,040 (-)
2025	$14,086.00 (+11.48%)	$1,206,000 (+11.67%) Land $570,300 Building $635,700	$1,637,040 (+3.69%)
2024	$12,636.00 (-8.13%)	$1,080,000 (+6.64%) Land $537,700 Building $542,300	$1,578,805
2023	$13,754.00	$1,012,800 Land $514,300 Building $498,500

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

Flood

FEMA maps place 81 Boyd St in Zone X, an area of minimal flood risk.

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	2 in force

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 81 Boyd 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 635 locations within half a mile, as of December 31, 2025

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

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

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