85 Summit St, Waltham, MA 02451 Property Records

Middlesex County and Waltham City property record for 85 Summit St, Waltham, MA 02451

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,429 sqft · built 1910
Lot Size	0.172 acres (7,475 sqft)
Owner	2 Trust Names on Record
Last Sale	$175,000 (May 2001)
Tax Bill	$8,249 (2026)
Deeds & Mortgages	Jan 2026 Transfer May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`108626`

Property Details

APN / Parcel Number

Primary APN	`108626`
Alternative APN	`WALT M:049 B:003 L:0013`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,429 sqft Living Area
Gross Area	3,456 sqft
Basement Area	1,208 sqft
Unfinished Basement	1,027 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,475 sqft (0.172 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	108626
Street Address	85 SUMMIT ST
City	WALTHAM
State	MA
Zip	02451-2969
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Block	3
Legal Lot Number	13
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	2
Census Block	2002
Census Tract	368200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	85 SUMMIT ST, WALTHAM, MA 02451-2969
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Quit Claim Deed, Transfer Quitclaim
May 5, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Nov 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jun 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2001 · Amount on Record
Deed Sale	May 29, 2001 · Amount on Record
Last Transfer Date	Jan 28, 2026
Transfer Doc	085174-274
Record Updated	Oct 29, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	Jan 30, 2026
Property Address	85 SUMMIT ST, WALTHAM, MA 02451-2969
Document Number	085174-274
Book / Page	85174 / 274
Instrument Date	Jan 28, 2026
Instrument	10558
Transaction Type	Transfer
Record Updated	Feb 18, 2026

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
Address	85 SUMMIT ST, WALTHAM, MA 02451-2969

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	85 SUMMIT ST, WALTHAM, MA 02451-2969
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081500-83
Date	May 5, 2023
Book Page	81500/83
Instrument	46041

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	85 SUMMIT ST, WALTHAM, MA 02451-2969
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76125-401
Date	Nov 9, 2020
Book Page	76125/401
Instrument	209229

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	85 SUMMIT ST, WALTHAM, MA 02451-2969
Document Number	69493-57
Book / Page	069493 / 000057
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Jul 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69493-57
Date	Jun 26, 2017
Book Page	069493/000057
Instrument	96854

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2047

Tax Assessment & Valuation

Source: Middlesex County and Waltham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Waltham City
Unified School District	Waltham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,249.00 (+10.81%)	$799,300 (+5.45%) Land $424,900 Building $374,400	$857,365 (-4.42%)
2025	$7,444.00 (+2.31%)	$758,000 (+0.42%) Land $404,700 Building $353,300	$896,990 (+0.13%)
2024	$7,276.00 (+1.29%)	$754,800 (+8.45%) Land $404,700 Building $350,100	$895,850
2023	$7,183.00	$696,000 Land $367,200 Building $328,800

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

Flood

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	7 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

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	WALTHAM WATER DEPARTMENT serves 65,218 people · EPA ID MA3308000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2024
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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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