95 Barnard Ave, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 95 Barnard Ave, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,572 sqft · built 1915
Lot Size	0.235 acres (10,246 sqft)
Owner	2 Trust Names on File
Last Sale	$2,050,000 (Oct 2020)
Tax Bill	$27,911 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Jul 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18297`

Property Details

APN / Parcel Number

Primary APN	`18297`
Alternative APNs	`WATE M:1111 B:0012 L:0000` `1420`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	3,572 sqft Living Area
Gross Area	6,048 sqft
Basement Area	935 sqft
Unfinished Basement	935 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2010
Architectural Style	Victorian
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,246 sqft (0.235 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1420
Street Address	95 BARNARD AVE
City	WATERTOWN
State	MA
Zip	02472-3412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S-10
Legal Block	12
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	3
Census Block	3008
Census Tract	370201

Owner

95 Barnard Ave is owner-occupied and held in a trust since October 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	95 BARNARD AVE, WATERTOWN, MA 02472-3412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	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
Oct 23, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WINTRUST MORTGAGE
Jul 19, 2019	Deed of Trust, Mortgage BANK OF AMERICA
Jun 18, 2018	Quit Claim Deed, Transfer GUARANTEED RATE
Jun 6, 2017	Quit Claim Deed, Transfer
Feb 27, 2017	Quit Claim Deed, Transfer · Commercial Mortgage WATERTOWN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on File
Deed Sale	Oct 23, 2020 · Amount on File
Prior Sale	Jun 18, 2018 · Amount on File
Deed Book / Page	75973 / 587
Prior Transfer Date	Oct 8, 2020
Prior Transfer Doc	75973-587
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Oct 23, 2020
Property Address	95 BARNARD AVE, WATERTOWN, MA 02472-3412
Document Number	75973-587
Book / Page	75973 / 587
Instrument Date	Oct 8, 2020
Instrument	195113
Transaction Type	Transfer
Record Updated	May 12, 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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 BARNARD AVE, WATERTOWN, MA 02472-3412

Mortgage

Document Number	195114
Date	Oct 23, 2020
Instrument	195114

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	95 BARNARD AVE, WATERTOWN, MA 02472-3412
Document Number	73008-157
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 BARNARD AVE WATERTOWN MA 024723412, WATERTOWN, MA 02472-3412

Mortgage

Document Number	73008-157
Date	Jul 29, 2019
Book Page	073008/000157
Instrument	109356

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

Interest

Rate Type	Adjustable Rate

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jun 18, 2018
Property Address	95 BARNARD AVE, WATERTOWN, MA 02472-3412
Document Number	71172-180
Book / Page	071172 / 000180
Instrument Date	Jun 8, 2018
Instrument	87468
Transaction Type	Transfer
Record Updated	Jul 10, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,980.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	95 BARNARD AVE WATERTOWN MA 024723412, WATERTOWN, MA 02472-3412

Mortgage

Document Number	71172-183
Date	Jun 18, 2018
Book Page	071172/000183
Instrument	87469

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2048

Interest

Rate	3.75%

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Jun 6, 2017
Property Address	95 BARNARD AVE, WATERTOWN, MA 02472-3412
Document Number	69390-267
Book / Page	069390 / 000267
Instrument Date	Jun 6, 2017
Instrument	84398
Transaction Type	Transfer
Record Updated	Jun 27, 2017

Transaction

Amount	Amount on Record
Tax	$3,944.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	55 SCHOOL ST WATERTOWN MA 024724251, WATERTOWN, MA 02472-4251

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Feb 27, 2017
Property Address	95 BARNARD AVE, WATERTOWN, MA 02472-3412
Document Number	68941-266
Book / Page	68941 / 266
Instrument	30073
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$101.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	689410268
Date	Feb 27, 2017
Instrument	68941/0268

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 95 Barnard Ave was $27,911, up 4.4% 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	$27,911.00 (+4.45%)	$2,287,800 (-) Land $796,300 Building $1,491,500	$2,261,665 (-)
2025	$26,722.00 (+4.49%)	$2,287,800 (+4.67%) Land $796,300 Building $1,491,500	$2,261,665 (+6.35%)
2024	$25,573.00 (-3.29%)	$2,185,700 (+12.25%) Land $751,600 Building $1,434,100	$2,126,575
2023	$26,443.00	$1,947,200 Land $672,500 Building $1,274,700

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

Flood

FEMA maps place 95 Barnard Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 95 Barnard Ave 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 707 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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