102 Elm St, Byfield, MA 01922 Property Records

Essex County and Newbury Town property record for 102 Elm St, Byfield, MA 01922

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,834 sqft · built 1989
Lot Size	0.918 acres (40,001 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Nov 2003)
Tax Bill	$5,438 (2025)
Deeds & Mortgages	May 2021 Refinance May 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NEWB M:0R16 B:0000 L:00010`

Property Details

APN / Parcel Number

Primary APN	`NEWB M:0R16 B:0000 L:00010`
Alternative APN	`NBRY M:0R16 B:0000 L:00010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,834 sqft Living Area
Gross Area	3,991 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,001 sqft (0.918 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	102 ELM ST
City	BYFIELD
State	MA
Zip	01922-2814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR4
Legal Lot Number	10
Jurisdiction	NEWBURY MA
Township / Civil Division	NEWBURY
Census Block Group	3
Census Block	3016
Census Tract	269100

Owner

102 Elm St is owned and occupied by two individuals who bought it in November 2003.

Source: Essex County and Newbury Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	102 ELM ST, BYFIELD, MA 01922-2814
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
May 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
May 7, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Jul 20, 2017	Deed of Trust, Mortgage INST SVGS NEWBURYPORT
Jul 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2003 · Amount on File
Deed Sale	Nov 21, 2003 · Amount on File
Prior Sale	Aug 9, 1999 · Amount on File
Deed Book / Page	22101 / 298
Transfer Doc	36014-146
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	102 ELM ST, NEWBURY, MA 01922-2814
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039850-132
Date	May 7, 2021
Book Page	39850/132
Instrument	20210507000240

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWBURY MA
Recording Date	May 7, 2021
Property Address	102 ELM ST, NEWBURY, MA 01922-2814
Document Number	39850-130
Book / Page	39850 / 130
Instrument Date	Feb 15, 2021
Instrument	20210507000230
Transaction Type	Transfer
Record Updated	May 21, 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	102 ELM ST, NEWBURY, MA 01922-2814

Mortgage

Document Number	39850-132
Date	May 7, 2021
Book Page	39850/132
Instrument	20210507000240

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	102 ELM ST, NEWBURY, MA 01922-2814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36032-57
Date	Jul 20, 2017
Book Page	36032/57
Instrument	178

Lender

Name	INST SVGS NEWBURYPORT
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWBURY MA
Recording Date	Jul 12, 2017
Property Address	102 ELM ST, NEWBURY, MA 01922-2814
Document Number	36014-146
Book / Page	036014 / 000146
Instrument Date	Jul 7, 2016
Instrument	1707120357
Transaction Type	Transfer
Record Updated	Aug 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 ELM ST NEWBURY MA 019222814, NEWBURY, MA 01922-2814

Tax Assessment & Valuation

The 2025 property tax bill for 102 Elm St was $5,438, up 0.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Newbury Town
Unified School District	Triton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,438.00 (+0.28%)	$729,900 (+3.37%) Land $320,000 Building $409,900	$704,995
2024	$5,423.00 (-2.66%)	$706,100 (+9.88%) Land $320,000 Building $386,100
2023	$5,571.00	$642,600 Land $298,700 Building $343,900

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

Flood

FEMA maps place 102 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1978–2014)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Dec 2014 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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 102 Elm 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	Direct burnable vegetation

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	BYFIELD WATER DISTRICT serves 2,228 people · EPA ID MA3205001
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2022–2024) 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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