91 Spring St, Apt 12, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 91 Spring St, Apt 12, Watertown, MA 02472

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,380 sqft · built 1984
Lot Size	1.09 acres (47,830 sqft)
Owner	Individual Name on File
Last Sale	$553,988 (Jul 2019)
Tax Bill	$6,758 (2026)
Deeds & Mortgages	Apr 2022 Refinance Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`118768-14`

Property Details

APN / Parcel Number

Primary APN	`118768-14`
Alternative APNs	`WATE M:1009 B:0007 L:1018` `142`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	15 Units
Stories	2 Stories
Building Area	1,380 sqft Living Area
Gross Area	1,436 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Other
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,830 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	142
Street Address	91 SPRING ST, 12
City	WATERTOWN
State	MA
Zip	02472-3439
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R.75
Legal Subdivision	TREADWAY BRK EST
Legal Block	7
Legal Lot Number	1018
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	2
Census Block	2012
Census Tract	370103

Owner

91 Spring St, Apt 12 is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	91 SPRING ST, 12, WATERTOWN, MA 02472-3439
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
Apr 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ALBERT SALGAN
Jun 10, 2021	Deed of Trust, Mortgage · ARM QUICKEN LOANS INC
Feb 8, 2018	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Feb 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHEAST HOME LOAN
Oct 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHEAST HOME LOAN
Jul 30, 2019	Condominium Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2019 · Amount on File
Deed Sale	Jul 30, 2019 · Amount on File
Prior Sale	Nov 10, 2014 · Amount on File
Deed Document Number	2019110729
Deed Book / Page	73020 / 70
Prior Transfer Date	Jul 10, 2019
Prior Transfer Doc	73020-70
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	91 SPRING ST APT 12, 12, WATERTOWN, MA 02472-3439
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079964-598
Date	Apr 12, 2022
Book Page	79964/598
Instrument	54696

Lender

Name	ALBERT SALGAN

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	91 SPRING ST APT 12, 12, WATERTOWN, MA 02472-3439
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00077986-1
Date	Jun 10, 2021
Book Page	77986/1
Instrument	131710

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jun 1, 2031
Index	Other
Margin	3

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	91 SPRING ST APT 12, 12, WATERTOWN, MA 02472-3439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70607-313
Date	Feb 8, 2018
Book Page	70607/313
Instrument	18721

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	91 SPRING ST APT 12, 12, WATERTOWN, MA 02472-3439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74173-5
Date	Feb 24, 2020
Book Page	74173/5
Instrument	26828

Lender

Name	NORTHEAST HOME LOAN

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	91 SPRING ST APT 12, 12, WATERTOWN, MA 02472-3439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75943-415
Date	Oct 21, 2020
Book Page	75943/415
Instrument	192177

Lender

Name	NORTHEAST HOME LOAN

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jul 30, 2019
Property Address	91 SPRING ST APT 12, 12, WATERTOWN, MA 02472-3439
Document Number	73020-70
Book / Page	073020 / 000070
Instrument Date	Jul 10, 2019
Instrument	110729
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2,526.19
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 SPRING ST #12 WATERTOWN MA 024723439, 12, WATERTOWN, MA 02472-3439

Tax Assessment & Valuation

The 2026 property tax bill for 91 Spring St, Apt 12 was $6,758, 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	$6,758.00 (+4.45%)	$553,900 (-) Building $553,900	$749,740 (-)
2025	$6,470.00 (-4.19%)	$553,900 (-4.04%) Building $553,900	$749,740 (+8.9%)
2024	$6,753.00 (-12.56%)	$577,200 (+1.49%) Building $577,200	$688,465
2023	$7,723.00	$568,700 Building $568,700

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

Flood

FEMA maps place 91 Spring St, Apt 12 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 91 Spring St, Apt 12 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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