12 Smith St, Newbury, MA 01951 Property Records

Essex County and Newbury Town property record for 12 Smith St, Newbury, MA 01951

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,520 sqft · built 1900
Lot Size	0.101 acres (4,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,212,500 (Jul 2025)
Tax Bill	$8,556 (2025)
Deeds & Mortgages	May 2021 Refinance Jul 2025 Sale & Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`NEWB M:0U05 B:0000 L:00038`

Property Details

APN / Parcel Number

Primary APN	`NEWB M:0U05 B:0000 L:00038`
Alternative APN	`NBRY M:0U05 B:0000 L:00038`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,520 sqft Living Area
Gross Area	3,019 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,400 sqft (0.101 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Street Address	12 SMITH ST
City	NEWBURY
State	MA
Zip	01951-1349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR4
Legal Lot Number	38
Jurisdiction	NEWBURY MA
Township / Civil Division	NEWBURY
Census Block Group	2
Census Block	2009
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	10 SMITH ST, 12, NEWBURY, MA 01951-1349
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 11, 2025	Quit Claim Deed, Transfer · Stand-Alone Refinance NEWBURYPORT FIVE CENTS SAVINGS BANK
Sep 19, 2023	Condominium Deed, Transfer
Jun 22, 2018	Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2025 · Amount on Record
Deed Sale	Jul 11, 2025 · Amount on Record
Prior Sale	Jun 22, 2018 · Amount on Record
Deed Book / Page	42824 / 408
Prior Transfer Date	Sep 7, 2023
Prior Transfer Doc	041766-588
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	12 SMITH ST, NEWBURY, MA 01951-1349
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039901-507
Date	May 21, 2021
Book Page	39901/507
Instrument	20210521001350

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWBURY MA
Recording Date	Jul 11, 2025
Property Address	12 SMITH ST, NEWBURY, MA 01951-1349
Document Number	042824-408
Book / Page	42824 / 408
Instrument Date	Jul 11, 2025
Instrument	20250711001030
Transaction Type	Transfer
Record Updated	Nov 19, 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	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 SMITH ST # 12, 12, NEWBURY, MA 01951-1349

Mortgage

Document Number	042824-412
Date	Jul 11, 2025
Book Page	42824/412
Instrument	20250711001040

Lender

Name	NEWBURYPORT FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Aug 1, 2032
Index	Other

September 2023: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	NEWBURY MA
Recording Date	Sep 19, 2023
Property Address	12 SMITH ST, NEWBURY, MA 01951-1349
Document Number	041766-588
Book / Page	41766 / 588
Instrument Date	Sep 7, 2023
Instrument	20230919000870
Transaction Type	Transfer
Record Updated	Oct 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10-12 SMITH ST, NEWBURY, MA 01951

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWBURY MA
Recording Date	Jun 22, 2018
Property Address	12 SMITH ST, NEWBURY, MA 01951-1349
Document Number	36807-533
Book / Page	36807 / 533
Instrument	180622003090
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59.02
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SMITH ST, NEWBURY, MA 01951-1349

Mortgage

Document Number	368070535
Date	Jun 22, 2018
Instrument	36807/0535

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2048

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	$8,556.00 (+1.97%)	$1,148,500 (+5.12%) Land $655,000 Building $493,500	$1,124,705
2024	$8,391.00 (+12.83%)	$1,092,600 (+27.37%) Land $635,200 Building $457,400
2023	$7,437.00	$857,800 Land $436,700 Building $421,100

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 355 policies
Nearby Flood Policies	355 in force
Nearby Flood Claims	61 (1978–2025)
Claims Outside the SFHA	3 of 61
Most Recent Claim	Oct 2025 · other causes
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 3 claims Coastal Storm, Oct 1991 · 8 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 4 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	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	NEWBURYPORT WATER DEPARTMENT serves 20,335 people · EPA ID MA3206000
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 91 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

Cell Coverage

5G (outdoors only) and 4G LTE

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