98 Stow St, Waltham, MA 02453 Property Records

Middlesex County and Waltham City property record for 98 Stow St, Waltham, MA 02453

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,385 sqft · built 1910
Lot Size	0.116 acres (5,040 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Aug 2021)
Tax Bill	$6,788 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Apr 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`107985`

Property Details

APN / Parcel Number

Primary APN	`107985`
Alternative APN	`WALT M:057 B:017 L:0012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,385 sqft Living Area
Gross Area	2,500 sqft
Basement Area	809 sqft
Unfinished Basement	809 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,040 sqft (0.116 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	107985
Street Address	98 STOW ST
City	WALTHAM
State	MA
Zip	02453-1632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Block	17
Legal Lot Number	12
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	4
Census Block	4011
Census Tract	368300

Owner

98 Stow St is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	98 STOW ST, WALTHAM, MA 02453-1632
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 US BANK NA
Apr 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Nov 14, 2017	Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS

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
Prior Sale	Nov 14, 2017 · Amount on File
Deed Book / Page	78540 / 225
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	Aug 24, 2021
Property Address	98 STOW ST, WALTHAM, MA 02453-1632
Document Number	78540-225
Book / Page	78540 / 225
Instrument Date	Aug 24, 2021
Instrument	189444
Transaction Type	Transfer
Record Updated	Sep 10, 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
Relationship	Tenants by the Entirety
Address	98 STOW ST, WALTHAM, MA 02453-1632

Mortgage

Document Number	189445
Date	Aug 24, 2021
Instrument	189445

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	98 STOW ST, WALTHAM, MA 02453-1632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74462-236
Date	Apr 14, 2020
Book Page	74462/236
Instrument	54716

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

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

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTHAM MA
Recording Date	Nov 14, 2017
Property Address	98 STOW ST, WALTHAM, MA 02453-1632
Document Number	70232-288
Book / Page	70232 / 288
Instrument	185235
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	$45.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 STOW ST, WALTHAM, MA 02453-1632

Mortgage

Document Number	702320291
Date	Nov 14, 2017
Instrument	70232/0291

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 98 Stow St was $6,788, up 11.5% 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	$6,788.00 (+11.53%)	$657,800 (+6.13%) Land $397,400 Building $260,400	$724,576 (+1.38%)
2025	$6,086.00 (+3.38%)	$619,800 (+1.49%) Land $378,400 Building $241,400	$714,685 (+5.67%)
2024	$5,887.00 (+1.59%)	$610,700 (+8.76%) Land $371,400 Building $239,300	$676,305
2023	$5,795.00	$561,500 Land $336,400 Building $225,100

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

Flood

FEMA maps place 98 Stow St in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 98 Stow St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 109 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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