99 Spruce St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 99 Spruce St, Watertown, MA 02472

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,919 sqft · built 1915
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$182,500 (Feb 1994)
Tax Bill	$10,651 (2026)
Deeds & Mortgages	Apr 2022 Transfer Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47830-18`

Property Details

APN / Parcel Number

Primary APN	`47830-18`
Alternative APNs	`WATE M:1032 B:0003 L:0052` `846`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,919 sqft Living Area
Gross Area	3,661 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	846
Street Address	99 SPRUCE ST
City	WATERTOWN
State	MA
Zip	02472-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Block	3
Legal Lot Number	52
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

99 Spruce St is owned and occupied by two individuals who acquired it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	99 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
Apr 25, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 22, 2018	Deed of Trust, Mortgage WATERTOWN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 1994 · Amount on File
Deed Sale	Feb 14, 1994 · Amount on File
Prior Sale	Apr 29, 1991 · Amount on File
Last Transfer Date	Apr 6, 2022
Transfer Doc	080021-480
Record Updated	Oct 29, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Apr 25, 2022
Property Address	99 SPRUCE ST, WATERTOWN, MA 02472-1903
Document Number	080021-480
Book / Page	80021 / 480
Instrument Date	Apr 6, 2022
Instrument	60960
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	99 SPRUCE ST, WATERTOWN, MA 02472-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70535-482
Date	Jan 22, 2018
Book Page	70535/482
Instrument	9727

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 99 Spruce St was $10,651, up 6.4% 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	$10,651.00 (+6.36%)	$873,000 (+1.82%) Land $494,300 Building $378,700	$930,905 (-)
2025	$10,014.00 (+9.51%)	$857,400 (+9.71%) Land $494,300 Building $363,100	$930,905 (+21.92%)
2024	$9,144.00 (-7.89%)	$781,500 (+6.91%) Land $467,000 Building $314,500	$763,515
2023	$9,927.00	$731,000 Land $446,700 Building $284,300

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

Flood

FEMA maps place 99 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 99 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 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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