92 Oak St, Waltham, MA 02453 Property Records

Middlesex County and Waltham City property record for 92 Oak St, Waltham, MA 02453

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 1,818 sqft · built 1890
Lot Size	0.17 acres (7,401 sqft)
Owner	2 Trust Names on File
Last Sale	$129,900 (Apr 1985)
Tax Bill	$8,716 (2026)
Deeds & Mortgages	Nov 2021 Transfer Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`85909`

Property Details

APN / Parcel Number

Primary APN	`85909`
Alternative APN	`WALT M:070 B:014 L:0007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,818 sqft Living Area
Gross Area	3,171 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,401 sqft (0.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Gravity Furnace
Heating Fuel	Oil

Location & Zoning

Account Number	85909
Street Address	92 OAK ST
City	WALTHAM
State	MA
Zip	02453-8625
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	1
Legal Block	14
Legal Lot Number	7
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	2
Census Block	2003
Census Tract	368700

Owner

92 Oak St, a duplex, is owner-occupied and held in a trust since July 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	92 OAK ST, WALTHAM, MA 02453-8625
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Nov 9, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 1985 · Amount on File
Deed Sale	Apr 1, 1985 · Amount on File
Last Transfer Date	Jul 15, 2021
Transfer Doc	79103-486
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	Nov 9, 2021
Property Address	92 OAK ST, WALTHAM, MA 02453-8625
Document Number	79103-486
Book / Page	79103 / 486
Instrument Date	Jul 15, 2021
Instrument	244941
Transaction Type	Transfer
Record Updated	Nov 25, 2021

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	92 OAK ST, WALTHAM, MA 02453-8625

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	92 OAK ST, WALTHAM, MA 02453-8625
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77564-429
Date	Apr 21, 2021
Book Page	77564/429
Instrument	89452

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 92 Oak St was $8,716, up 14.6% from the year before.

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	$8,716.00 (+14.62%)	$844,600 (+9.08%) Land $415,900 Building $428,700	$742,747
2025	$7,604.00 (+7.36%)	$774,300 (+5.38%) Land $377,700 Building $396,600
2024	$7,083.00 (-0.06%)	$734,800 (+7%) Land $377,700 Building $357,100
2023	$7,087.00	$686,700 Land $344,100 Building $342,600

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

Flood

FEMA maps place 92 Oak St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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	3 (1979–2010)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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

The area around 92 Oak 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	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 591 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

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

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