10 Towne Rd, Middleton, MA 01949 Property Records

Essex County and Middleton Town property record for 10 Towne Rd, Middleton, MA 01949

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,107 sqft · built 2005
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$885,000 (Jan 2014)
Tax Bill	$20,480 (2026)
Deeds & Mortgages	Mar 2021 Refinance Oct 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`200325`

Property Details

APN / Parcel Number

Primary APN	`200325`
Alternative APNs	`MIDD M:0014 B:0000 L:0020 E` `MDLT M:0014 B:0000 L:0020 E`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,107 sqft Living Area
Gross Area	8,084 sqft
Basement Area	1,378 sqft
Unfinished Basement	1,378 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,916 sqft (1.1 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	200325
Street Address	10 TOWNE RD
City	MIDDLETON
State	MA
Zip	01949-1100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Subdivision	EAGLE HILL ESTATES
Legal Lot Number	20 E
Jurisdiction	MIDDLETON MA
Township / Civil Division	MIDDLETON
Census Block Group	3
Census Block	3000
Census Tract	212101

Owner

10 Towne Rd is owned and occupied by two individuals who acquired it in October 2021.

Source: Essex County and Middleton Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 TOWNE RD, MIDDLETON, MA 01949-1100
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
Mar 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Oct 18, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 29, 2017	Deed of Trust, Mortgage · ARM MERRIMACK MTG CO
Apr 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2014 · Amount on File
Deed Sale	Jan 15, 2014 · Amount on File
Prior Sale	Jan 15, 2014 · Amount on File
Deed Book / Page	33070 / 285
Last Transfer Date	Oct 15, 2021
Transfer Doc	0040388-42
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	10 TOWNE RD, MIDDLETON, MA 01949-1100
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039645-396
Date	Mar 15, 2021
Book Page	39645/396
Instrument	20210315003230

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLETON MA
Recording Date	Oct 18, 2021
Property Address	10 TOWNE RD, MIDDLETON, MA 01949-1100
Document Number	40388-42
Book / Page	40388 / 42
Instrument Date	Oct 15, 2021
Instrument	20211018002290
Transaction Type	Transfer
Record Updated	Nov 5, 2021

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
Relationship	Tenants by the Entirety
Address	10 TOWNE RD, MIDDLETON, MA 01949-1100
Investor	Possibly a Property Investor

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	10 TOWNE RD, MIDDLETON, MA 01949-1100
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35763-178
Date	Mar 29, 2017
Book Page	35763/178
Instrument	265

Lender

Name	MERRIMACK MTG CO

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.13%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	10 TOWNE RD, MIDDLETON, MA 01949-1100
Document Number	35824-372
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35824-372
Date	Apr 27, 2017
Book Page	035824/000372
Instrument	1704270190

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 26, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 10 Towne Rd was $20,480, down 1.1% from the year before.

Source: Essex County and Middleton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Middleton Town
Secondary School District	Masconomet School District (07 - 12)
Elementary School District	Middleton School District (PK - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$20,480.00 (-1.05%)	$1,626,700 (-6.55%) Land $519,200 Building $1,038,300	$1,848,838 (-1%)
2025	$20,698.00 (+1.04%)	$1,740,800 (+0.2%) Land $627,200 Building $1,113,600	$1,867,510
2024	$20,484.00 (+12.26%)	$1,737,400 (+22.54%) Land $625,200 Building $1,112,200
2023	$18,247.00	$1,417,800 Land $625,200 Building $792,600

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

Flood

FEMA maps place 10 Towne Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 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	7 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 10 Towne Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MIDDLETON WATER DEPT. serves 7,291 people · EPA ID MA3184000
Water Source	Purchased surface water from DANVERS WATER DEPT.
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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