Middlesex County and Watertown City property record for 98 Spruce St, Watertown, MA 02472
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,854 sqft · built 1919 |
| Lot Size | 0.268 acres (11,690 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,209 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 47820-22 |
| Primary APN | 47820-22 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,854 sqft Living Area |
| Gross Area | 3,839 sqft |
| Basement Area | 918 sqft |
| Unfinished Basement | 918 sqft |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 11,690 sqft (0.268 acres) |
| Parking Spaces | 1 Parking Space |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 817 |
|---|---|
| Street Address | 98 SPRUCE ST |
| City | WATERTOWN |
| State | MA |
| Zip | 02472-1904 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | T |
| Legal Block | 41 |
| Legal Lot Number | 4 |
| Jurisdiction | WATERTOWN MA |
| Township / Civil Division | WATERTOWN TOWN |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 370401 |
98 Spruce St is owned and occupied by two individuals.
Source: Middlesex County and Watertown City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98 SPRUCE ST, WATERTOWN, MA 02472-1904 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 98 Spruce St was $11,209, up 6.1% from the year before.
Source: Middlesex County and Watertown City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Watertown City |
| Unified School District | Watertown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,209.00 (+6.1%) | $918,800 (+1.58%) Land $576,400 Building $342,400 | $1,233,480 (-) |
| 2025 | $10,565.00 (+9.32%) | $904,500 (+9.5%) Land $576,400 Building $328,100 | $1,233,480 (+31.28%) |
| 2024 | $9,664.00 (-8.26%) | $826,000 (+6.48%) Land $546,900 Building $279,100 | $939,550 |
| 2023 | $10,534.00 | $775,700 Land $523,300 Building $252,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 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.
The area around 98 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 375 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Starry.
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