120 Central St, Byfield, MA 01922 Property Records

Essex County and Newbury Town property record for 120 Central St, Byfield, MA 01922

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,745 sqft · built 1986
Lot Size	0.463 acres (20,168 sqft)
Owner	2 Company Names on Record
Tax Bill	$5,350 (2025)
Deeds & Mortgages	Jul 2026 Transfer Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NEWB M:0R18 B:0000 L:00006`

Property Details

APN / Parcel Number

Primary APN	`NEWB M:0R18 B:0000 L:00006`
Alternative APN	`NBRY M:0R18 B:0000 L:00006`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,745 sqft Living Area
Gross Area	3,720 sqft
Basement Area	1,168 sqft
Unfinished Basement	467 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,168 sqft (0.463 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	120 CENTRAL ST
City	BYFIELD
State	MA
Zip	01922-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR4
Legal Lot Number	6
Jurisdiction	NEWBURY MA
Township / Civil Division	NEWBURY
Census Block Group	3
Census Block	3009
Census Tract	269100

Owner

Source: Essex County and Newbury Town records, as of July 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	120 CENTRAL ST, BYFIELD, MA 01922-1523
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Quit Claim Deed, Transfer Quitclaim
Apr 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BROTHERHOOD CU
May 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage BROTHERHOOD CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 26, 2026
Transfer Doc	0000001210
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWBURY MA
Recording Date	Jul 1, 2026
Property Address	120 CENTRAL ST, BYFIELD, MA 01922-1523
Document Number	0000001210
Book / Page	43481 / 360
Instrument Date	Jun 26, 2026
Instrument	20261210
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CENTRAL ST, BYFIELD, MA 01922-1523

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	120 CENTRAL ST, NEWBURY, MA 01922-1523
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39807-242
Date	Apr 27, 2021
Book Page	39807/242
Instrument	20210427000170

Lender

Name	BROTHERHOOD CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2031

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	120 CENTRAL ST, NEWBURY, MA 01922-1523
Document Number	36714-400
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 CENTRAL ST NEWBURY MA 019221523, NEWBURY, MA 01922-1523

Mortgage

Document Number	36714-400
Date	May 15, 2018
Book Page	036714/000400
Instrument	1805151420

Lender

Name	BROTHERHOOD CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 14, 2028

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	$5,350.00 (+2.75%)	$718,100 (+5.91%) Land $282,800 Building $435,300	$865,070
2024	$5,207.00 (-2.93%)	$678,000 (+9.58%) Land $282,800 Building $395,200
2023	$5,364.00	$618,700 Land $264,000 Building $354,700

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
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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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