89 Willow St, Waltham, MA 02453 Property Records

Middlesex County and Waltham City property record for 89 Willow St, Waltham, MA 02453

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,755 sqft · built 1880
Lot Size	0.146 acres (6,347 sqft)
Owner	2 Individual Names on Record
Last Sale	$649,900 (May 2018)
Tax Bill	$8,354 (2026)
Deeds & Mortgages	Mar 2025 Mortgage Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`126385`

Property Details

APN / Parcel Number

Primary APN	`126385`
Alternative APN	`WALT M:062 B:017 L:0003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,755 sqft Living Area
Gross Area	3,173 sqft
1st Floor Area	1,221 sqft
Basement Area	950 sqft
Unfinished Basement	950 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,347 sqft (0.146 acres)
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	126385
Street Address	89 WILLOW ST
City	WALTHAM
State	MA
Zip	02453-6852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Block	17
Legal Lot Number	3
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	3
Census Block	3012
Census Tract	368800

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 Individual Names on Record
Mailing Address	89 WILLOW ST, WALTHAM, MA 02453-6852
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Mar 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
May 7, 2018	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF CANTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2018 · Amount on Record
Deed Sale	May 7, 2018 · Amount on Record
Prior Sale	Feb 14, 2014 · Amount on Record
Deed Book / Page	70976 / 361
Transfer Doc	070976-361
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	89 WILLOW ST, WALTHAM, MA 02453-6852
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083879-186
Date	Mar 21, 2025
Book Page	83879/186
Instrument	28730

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	89 WILLOW ST, WALTHAM, MA 02453-6852
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077264-528
Date	Mar 18, 2021
Book Page	77264/528
Instrument	60870

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	May 7, 2018
Property Address	89 WILLOW ST, WALTHAM, MA 02453-6852
Document Number	70976-361
Book / Page	070976 / 000361
Instrument Date	Apr 20, 2018
Instrument	63773
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,963.54
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	89 WILLOW ST WALTHAM MA 024536852, WALTHAM, MA 02453-6852

Mortgage

Document Number	70976-370
Date	May 7, 2018
Book Page	070976/000370
Instrument	63778

Lender

Name	BANK OF CANTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2048

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	$8,354.00 (+4.79%)	$809,500 (-0.28%) Land $412,200 Building $397,300	$957,751 (-5.12%)
2025	$7,972.00 (+2.57%)	$811,800 (+0.69%) Land $392,500 Building $419,300	$1,009,470 (+3.73%)
2024	$7,772.00 (+8.47%)	$806,200 (+16.12%) Land $392,500 Building $413,700	$973,180
2023	$7,165.00	$694,300 Land $356,200 Building $338,100

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	1 in force
Nearby Flood Claims	5 (1978–2008)
Most Recent Claim	Dec 2008 · Severe Winter Storm And Flooding

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 534 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

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

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