103 Central St, Byfield, MA 01922 Property Records

Essex County and Newbury Town property record for 103 Central St, Byfield, MA 01922

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 3,292 sqft · built 1964
Lot Size	0.499 acres (21,741 sqft)
Owner	2 Individual Names on Record
Last Sale	$810,000 (Nov 2025)
Tax Bill	$5,408 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NEWB M:0R01 B:0000 L:00098`

Property Details

APN / Parcel Number

Primary APN	`NEWB M:0R01 B:0000 L:00098`
Alternative APN	`NBRY M:0R01 B:0000 L:00098`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,292 sqft Living Area
Gross Area	5,389 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	21,741 sqft (0.499 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	103 CENTRAL ST
City	BYFIELD
State	MA
Zip	01922-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR4
Legal Lot Number	98
Jurisdiction	NEWBURY MA
Township / Civil Division	NEWBURY
Census Block Group	3
Census Block	3008
Census Tract	269100

Owner

Source: Essex County and Newbury Town records, as of July 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	103 CENTRAL ST, BYFIELD, MA 01922-1524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2025 · Amount on Record
Deed Sale	Nov 25, 2025 · Amount on Record
Prior Sale	Mar 26, 2003
Deed Book / Page	43092 / 110
Prior Transfer Date	Nov 24, 2025
Prior Transfer Doc	043092-110
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWBURY MA
Recording Date	Nov 25, 2025
Property Address	103 CENTRAL ST, NEWBURY, MA 01922-1524
Document Number	043092-110
Book / Page	43092 / 110
Instrument Date	Nov 24, 2025
Instrument	20251125002200
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 CENTRAL ST, BYFIELD, MA 01922-1524

Mortgage

Document Number	20251125002210
Date	Nov 25, 2025
Instrument	20251125002210

Lender

Name	KEYSTONE FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

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	$5,408.00 (-0.7%)	$725,900 (+2.37%) Land $285,800 Building $440,100	$853,005
2024	$5,446.00 (-3.81%)	$709,100 (+8.59%) Land $285,800 Building $423,300
2023	$5,662.00	$653,000 Land $266,700 Building $386,300

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 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

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	None beyond 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	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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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