91 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 91 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,692 sqft · built 1910
Lot Size	0.108 acres (4,686 sqft)
Owner	2 Individual Names on File
Last Sale	$755,000 (Aug 2021)
Tax Bill	$10,071 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jul 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`47790-02`

Property Details

APN / Parcel Number

Primary APN	`47790-02`
Alternative APNs	`WATE M:1032 B:0001 L:0054` `825`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,692 sqft Living Area
Gross Area	2,916 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,686 sqft (0.108 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	825
Street Address	91 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Subdivision	RADCLIFF TERRACE
Legal Block	1
Legal Lot Number	54
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

91 Spruce St is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	91 SPRUCE ST, WATERTOWN, MA 02472-1903
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
Aug 24, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Jul 27, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on File
Deed Sale	Aug 24, 2021 · Amount on File
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Aug 24, 2021
Property Address	91 SPRUCE ST, WATERTOWN, MA 02472-1903
Document Number	078537-544
Book / Page	78537 / 544
Instrument Date	Aug 24, 2021
Instrument	189166
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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
Relationship	Tenants in Common
Address	91 SPRUCE ST, WATERTOWN, MA 02472-1903
Investor	Possibly a Property Investor

Mortgage

Document Number	0000189167
Date	Aug 24, 2021
Instrument	189167

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jul 27, 2021
Property Address	91 SPRUCE ST, WATERTOWN, MA 02472-1903
Document Number	078334-497
Book / Page	78334 / 497
Instrument Date	Jul 16, 2021
Instrument	168204
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 in Common
Address	91 SPRUCE ST, WATERTOWN, MA 02472-1903

Tax Assessment & Valuation

The 2026 property tax bill for 91 Spruce St was $10,071, up 5.8% 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	$10,071.00 (+5.83%)	$825,500 (+1.33%) Land $491,000 Building $334,500	$964,915 (-)
2025	$9,516.00 (+10.54%)	$814,700 (+10.72%) Land $491,000 Building $323,700	$964,915 (+8.43%)
2024	$8,609.00 (-9.99%)	$735,800 (+4.47%) Land $464,000 Building $271,800	$889,865
2023	$9,564.00	$704,300 Land $443,800 Building $260,500

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

Flood

FEMA maps place 91 Spruce 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 91 Spruce 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 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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