87 Summer St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 87 Summer St, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	3 bd · 3.5 ba · 3,045 sqft · built 2020
Lot Size	0.431 acres (18,787 sqft)
Owner	Individual Name on File
Last Sale	$1,562,000 (May 2025)
Tax Bill	$17,883 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Jul 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11148`

Property Details

APN / Parcel Number

Primary APN	`11148`
Alternative APNs	`WATE M:0316 B:0010 L:2U87` `23206`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	3,045 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,787 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11148
Street Address	87 SUMMER ST
City	WATERTOWN
State	MA
Zip	02472-3813
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	T
Legal Block	10
Legal Lot Number	2U87
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2005
Census Tract	370103

Owner

87 Summer St, a condominium, is owned by an individual who bought it in May 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	87 SUMMER ST, 87, WATERTOWN, MA 02472-3813
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 16, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Jul 25, 2018	Deed of Trust, Mortgage · Line of Credit WATERTOWN SAVINGS BANK
Sep 4, 2019	Quit Claim Deed, Transfer · Construction Mortgage WATERTOWN SAVINGS BANK
Jan 16, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2025 · Amount on File
Deed Sale	May 16, 2025 · Amount on File
Prior Sale	Jan 16, 2019 · Amount on File
Deed Book / Page	84101 / 186
Record Updated	Oct 29, 2026

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	May 16, 2025
Property Address	87 SUMMER ST, WATERTOWN, MA 02472-3813
Document Number	084101-186
Book / Page	84101 / 186
Instrument Date	May 16, 2025
Instrument	53592
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 SUMMER ST # 87, 87, WATERTOWN, MA 02472-3813

Mortgage

Document Number	0000053593
Date	May 16, 2025
Instrument	53593

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Jun 1, 2035
Max Rate At Change	3%
Index	Other
Margin	3

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	87 SUMMER ST, WATERTOWN, MA 02472-3813
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071369-151
Date	Jul 25, 2018
Book Page	71369/151
Instrument	111666

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Sep 4, 2019
Property Address	87 SUMMER ST, WATERTOWN, MA 02472-3813
Document Number	073225-584
Book / Page	73225 / 584
Instrument Date	Sep 4, 2019
Instrument	133231
Transaction Type	Transfer
Record Updated	Mar 18, 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
Address	19 WASHINGTON ST, NEWTON, MA 02458-2228

Mortgage

Document Number	073225-587
Date	Sep 4, 2019
Book Page	73225/587
Instrument	133232

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jan 16, 2019
Property Address	87 SUMMER ST, WATERTOWN, MA 02472-3813
Document Number	72133-128
Book / Page	72133 / 128
Instrument Date	Jan 8, 2019
Instrument	6659
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 WALSINGHAM ST, NEWTON, MA 02462-1511

Mortgage

Document Number	-
Date	Jan 16, 2019
Instrument	6660

Lender

Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 87 Summer St was $17,883, up 2.6% 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
2025	$17,883.00 (+2.59%)	$1,531,100 (+2.77%) Building $1,531,100	$1,474,305 (+10.99%)
2024	$17,431.00 (-9.1%)	$1,489,800 (+5.5%) Building $1,489,800	$1,328,290
2023	$19,176.00	$1,412,100 Building $1,412,100

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

Flood

FEMA maps place 87 Summer 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 87 Summer 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 610 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 · Fiber in parts of the area	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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