99 Willow St, Waltham, MA 02453 Property Records

Middlesex County and Waltham City property record for 99 Willow St, Waltham, MA 02453

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 1,940 sqft · built 1880
Lot Size	0.147 acres (6,399 sqft)
Owner	2 Individual Names on Record
Last Sale	$36,000 (May 1973)
Tax Bill	$9,090 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Dec 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`126429`

Property Details

APN / Parcel Number

Primary APN	`126429`
Alternative APN	`WALT M:062 B:017 L:0005`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,940 sqft Living Area
Gross Area	3,388 sqft
Basement Area	1,414 sqft
Unfinished Basement	1,414 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,399 sqft (0.147 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	126429
Street Address	99 WILLOW ST
City	WALTHAM
State	MA
Zip	02453-6852
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	1
Legal Block	17
Legal Lot Number	5
Jurisdiction	WALTHAM MA
Township / Civil Division	WALTHAM
Census Block Group	3
Census Block	3012
Census Tract	368800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	99 WILLOW ST, WALTHAM, MA 02453-6852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · Line of Credit WATERTOWN SAVINGS BANK
Dec 26, 2017	Deed of Trust, Mortgage · Line of Credit WATERTOWN SAVINGS BANK
May 22, 2018	Deed of Trust, Mortgage · ARM WATERTOWN SAVINGS BANK
Oct 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WATERTOWN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 1973 · Amount on Record
Deed Sale	May 15, 1973 · Amount on Record
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	99 WILLOW ST, WALTHAM, MA 02453
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	79103-355
Date	Nov 9, 2021
Book Page	79103/355
Instrument	244927

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	99 WILLOW ST, WALTHAM, MA 02453
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70434-194
Date	Dec 26, 2017
Book Page	70434/194
Instrument	208616

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	99 WILLOW ST, WALTHAM, MA 02453
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71039-126
Date	May 22, 2018
Book Page	71039/126
Instrument	71277

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTHAM MA
Property Address	99 WILLOW ST, WALTHAM, MA 02453
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75876-79
Date	Oct 14, 2020
Book Page	75876/79
Instrument	185833

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

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	$9,090.00 (+3.72%)	$880,800 (-1.31%) Land $412,800 Building $468,000	$819,271
2025	$8,764.00 (+7.98%)	$892,500 (+6.01%) Land $393,100 Building $499,400
2024	$8,116.00 (+7.48%)	$841,900 (+15.06%) Land $393,100 Building $448,800
2023	$7,551.00	$731,700 Land $356,700 Building $375,000

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

Flood

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	5 (1978–2008)
Most Recent Claim	Dec 2008 · Severe Winter Storm And Flooding

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

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	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 534 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

May also be available: AT&T, T-Mobile.

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