95 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 95 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,599 sqft · built 1914
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$620,000 (Jun 2014)
Tax Bill	$13,914 (2026)
Deeds & Mortgages	Nov 2018 Mortgage Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`47800-30`

Property Details

APN / Parcel Number

Primary APN	`47800-30`
Alternative APNs	`WATE M:1032 B:0002 L:0053` `835`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,599 sqft Living Area
Gross Area	4,938 sqft
Basement Area	858 sqft
Unfinished Basement	429 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	835
Street Address	95 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Subdivision	GERRIOR SQUARE
Legal Block	2
Legal Lot Number	53
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

95 Spruce St is owned and occupied by two individuals who bought it in June 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	95 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
Nov 1, 2018	Deed of Trust, Mortgage NATIONSTAR MORTGAGE LLC
Nov 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Sep 16, 2019	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2014 · Amount on File
Deed Sale	Jun 27, 2014 · Amount on File
Prior Sale	Aug 30, 1999 · Amount on File
Deed Book / Page	63830 / 115
Transfer Doc	063830-115
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	95 SPRUCE ST, WATERTOWN, MA 02472-1903
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071832-510
Date	Nov 1, 2018
Book Page	71832/510
Instrument	168791

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	95 SPRUCE ST, WATERTOWN, MA 02472-1903
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076183-553
Date	Nov 17, 2020
Book Page	76183/553
Instrument	215054

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	95 SPRUCE ST, WATERTOWN, MA 02472-1903
Document Number	73317-152
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 SPRUCE ST WATERTOWN MA 024721903, WATERTOWN, MA 02472-1903

Mortgage

Document Number	73317-152
Date	Sep 20, 2019
Book Page	073317/000152
Instrument	143694

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 95 Spruce St was $13,914, up 6.9% 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	$13,914.00 (+6.87%)	$1,140,500 (+2.32%) Land $494,300 Building $646,200	$1,195,575 (-)
2025	$13,019.00 (+3.33%)	$1,114,600 (+3.5%) Land $494,300 Building $620,300	$1,195,575 (+12.01%)
2024	$12,600.00 (-6.62%)	$1,076,900 (+8.38%) Land $467,000 Building $609,900	$1,067,420
2023	$13,493.00	$993,600 Land $446,700 Building $546,900

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

Flood

FEMA maps place 95 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 95 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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