164 Church Street # 164, Watertown MA 02472

Watertown, MA 02472
$1,395,000
Est. $8,040/month
Estimate assumptions

20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.

Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.

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3
Beds
3.5
Baths
2,447
Sq Ft
$570
Price/Sq Ft
1920
Year Built
2
Parking
8 hours 44 minutes
Time on Market
For Sale Open House Listed Sep 23, 2026 • MLS# 73581895 Copied! • Updated Sep 23, 2026

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Open House Schedule

25
Sep
Friday, September 25
12:00 PM - 1:00 PM EDT
26
Sep
Saturday, September 26
11:30 AM - 1:00 PM EDT
27
Sep
Sunday, September 27
11:30 AM - 1:00 PM EDT

About this home

Welcome to the best of Watertown living! This beautifully renovated condominium blends modern style, quality craftsmanship, and an exceptional location offering three spacious bedrooms, each with its own private en suite bath. Spanning the second and third floors, the home features two thoughtfully designed levels of living space. The second floor is ideal for both everyday living and entertaining, offering an open-concept layout with a sun-filled living room with fireplace, dining room, and beautifully appointed kitchen featuring quality cabinetry, quartz countertops, premium appliances, stylish finishes, and an oversized center island. This level also includes a half bath and a generously sized bedroom with a private en suite bath. The third floor is dedicated to the luxurious primary suite, complete with a vaulted ceiling, walk-in closet, and full bath, along with an additional bedroom featuring its own en suite bath. Built for efficiency and modern comfort, the home features all electric heating and cooling systems, reflecting the future of residential living with energy conscious design and year round climate control. Location is everything, and this home delivers! Ideally located in one of Watertown’s desirable neighborhoods, the property offers easy access to Watertown Square, shops, restaurants, cafés, schools, parks, Arsenal Yards, public transportation, Cambridge, Boston, and major commuter routes. The home is also conveniently located near the new Watertown High School, a significant investment in the community and the first high school in the country to achieve both Net Zero Energy and LEED v4.1 Platinum certification. A must see!

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Property History

Property Timeline

🏠
Listed for Sale
Sep 23, 2026
$1,395,000
Original listing
Agent: Real Estate Advisors Group Office: Coldwell Banker Realty - Belmont

Tax History

Year Taxes Assessment
2026 $6,797 $557,150

Financial Details

Annual Property Tax
$6,797
Tax Year 2026
HOA Fee
$220
Monthly
Assessed Value
$557,150

Facts & Features

Home Facts

Type Residential
Style Condominium
Year Built 1920
Living Area 2,447 sq ft
Stories 2
Bedrooms 3
Full Baths 3
Half Baths 1
Total Rooms 6

Interior

Heating Heat Pump, Electric
Cooling Heat Pump
Flooring Tile, Hardwood
Appliances Range, Dishwasher, Disposal, Refrigerator
Fireplace Living Room
Fireplaces 1
Basement N
Laundry In Unit
Features None

Exterior

Construction Frame
Architecture None
Roof Shingle
Features Porch, Patio, Sprinkler System
Pool None
Spa None
Fencing None
Patio/Porch Porch, Patio
Features Off Street, Paved
Total Spaces 2
Electric Circuit Breakers, 200+ Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Electric Range
Annual Tax $6,797
Assessed Value $557,150

HOA & Community

HOA Fee $220 Monthly
Fee Includes Insurance
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures New Condo Conversion. Condo Docs Have Not Been Finalized. Taxes And Assessment Are For The Current Two-family Home Divided By Two. Town Will Reassess. *some Photos Are Of Similar Unit That Is Staged.
Possession None
Accepted Financing None
Structure Type ["2/3 Family"]
Unit/Building 164
Sq Ft Source Unit Floor Plan
Sq Ft Disclosures Marketing floor plans
Documents None
County Middlesex

Property Overview

Property Type
Condominium
Listing Type
For Sale
Year Built
1920
Bedrooms
3
Full Bathrooms
3
Half Bathrooms
1
Living Area
2,447 sq ft
Total Rooms
6
Stories
2
Entry Level
2

Floor Layout

Interior Features

Flooring: Tile, Hardwood
Appliances: Range, Dishwasher, Disposal, Refrigerator
Interior Features:
Windows: Insulated Windows
Basement: N
Laundry: In Unit
Security:

Construction & Materials

Year Built: 1920
Effective Year (Renovated): 2026
Structure Type: 2/3 Family
Exterior Materials: Frame
Roof: Shingle
Foundation:
Stories: 2

Heating, Cooling & Utilities

Heating: Heat Pump, Electric
Heating Zones: 2
Cooling: Heat Pump
Cooling Zones: 2
Hot Water:
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features: Porch, Patio, Sprinkler System
Patio & Porch: Porch, Patio
Fencing:
Other Structures:
Lot Features:
Road Surface:

Parking & Garage

Total Parking Spaces: 2
Parking Features: Off Street, Paved

Special Features

Fireplaces: 1
Fireplace Type: Living Room
Community Amenities: Public Transportation, Shopping, Pool, Park, Walk/Jog Trails, Golf, Medical Facility, Highway Access, Private School, Public School
School District
Watertown School District local
A-
School Safety 2024-25
1.0% Low
0.8% Suspensions 0.2% In-School 0.2% Emergency
4.5% below state avg
E

Elementary Schools

3 schools
A
Hosmer School
0.6 mi | #131 of 825 | Score: 57.5
Improved 121 spots from last year
-0.7 below state avg
693 students Diverse
Rising School Diverse Student Body Strong Attendance
Grades PK-05
Perkins School for the Blind
0.7 mi
Grades PK-12
A
Winthrop L. Chenery Upper Elementary School
1.0 mi | #164 of 825 | Score: 56.5
Dropped 14 spots from last year
-1.8 below state avg
1,028 students Diverse
Diverse Student Body Strong Attendance
Grades 04-06
M

Middle Schools

2 schools
B+
Watertown Middle School
0.6 mi | #110 of 352 | Score: 48.5
Improved 9 spots from last year
-9.8 below state avg
591 students Diverse
Diverse Student Body
Grades 06-08
A+
Bigelow Middle School
1.3 mi | #22 of 352 | Score: 60.9
Improved 48 spots from last year
+2.7 above state avg
451 students Diverse
Rising School Diverse Student Body
Grades 06-08
H

High Schools

3 schools
B+
Watertown High School
0.7 mi | #107 of 346 | Score: 60.1
Improved 123 spots from last year
+1.9 above state avg
728 students Diverse
18 sports • 1,578 athletes
Strong AP Program High Graduation Rate Rising School Career Tech Programs
Grades 09-12
Walker Beacon School
0.9 mi
Grades 07-12
Arlington School
1.6 mi
Grades 08-12
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Loan Amount
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Including down payment
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Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $566
Homeowners Insurance $200
HOA Fee $220/mo
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

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Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.

Location

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Neighborhood

164 Church Street # 164, Watertown MA 02472

Watertown, MA 02472

Listing Information

Listing Agent Real Estate Advisors Group
Listing Office Coldwell Banker Realty - Belmont
Office Phone 617-484-5300
Agent MLS ID TM359123
Office MLS ID AN6190
Listing Data Updated Sep 23, 2026 6:33 PM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

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Steve Novak Real Estate
Steve Novak Real Estate
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