127 Oak St, Wakefield, MA 01880 Property Records

Middlesex County and Wakefield Town property record for 127 Oak St, Wakefield, MA 01880

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,832 sqft · built 1940
Lot Size	0.122 acres (5,301 sqft)
Owner	2 Individual Names on File
Last Sale	$949,900 (Feb 2025)
Tax Bill	$8,696 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`44484`

Property Details

APN / Parcel Number

Primary APN	`44484`
Alternative APN	`WAKE M:000023 B:0003 P:000A31`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,832 sqft Living Area
Gross Area	3,922 sqft
Basement Area	1,519 sqft
Unfinished Basement	759 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,301 sqft (0.122 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	44484
Street Address	127 OAK ST
City	WAKEFIELD
State	MA
Zip	01880-3854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	3
Jurisdiction	WAKEFIELD MA
Township / Civil Division	WAKEFIELD
Census Block Group	1
Census Block	1004
Census Tract	335400

Owner

127 Oak St is owned and occupied by two individuals who bought it in February 2025.

Source: Middlesex County and Wakefield Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	127 OAK ST, WAKEFIELD, MA 01880-3854
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Mar 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Nov 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Feb 12, 2020	Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK
Jul 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2025 · Amount on File
Deed Sale	Feb 26, 2025 · Amount on File
Deed Document Number	202519696
Deed Book / Page	83803 / 168
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	127 OAK ST, WAKEFIELD, MA 01880-3854
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001996850
Date	Mar 30, 2026
Instrument	1996850

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Apr 1, 2055

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	127 OAK ST, WAKEFIELD, MA 01880-3854
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085401-155
Date	Mar 30, 2026
Book Page	85401/155
Instrument	34256

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Apr 1, 2055

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	127 OAK ST, WAKEFIELD, MA 01880-3854
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084854-364
Date	Nov 10, 2025
Book Page	84854/364
Instrument	137099

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Dec 1, 2054

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	127 OAK ST, WAKEFIELD, MA 01880-3854
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74118-151
Date	Feb 12, 2020
Book Page	74118/151
Instrument	20961

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	127 OAK ST, WAKEFIELD, MA 01880-3854
Document Number	73145-94
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 OAK ST WAKEFIELD MA 018803854, WAKEFIELD, MA 01880-3854

Mortgage

Document Number	73145-94
Date	Aug 21, 2019
Book Page	073145/000094
Instrument	124511

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 127 Oak St was $8,696, up 5.8% from the year before.

Source: Middlesex County and Wakefield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Wakefield Town
Unified School District	Wakefield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,696.00 (+5.82%)	$766,200 (+4.89%) Land $332,900 Building $433,300	$900,695 (-1.61%)
2024	$8,218.00 (-0.27%)	$730,500 (+3.99%) Land $317,200 Building $413,300	$915,420
2023	$8,240.00	$702,500 Land $304,900 Building $397,600

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

Flood

FEMA maps place 127 Oak St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 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 Claims	14 (1978–2024)
Claims Outside the SFHA	8 of 14
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Mar 2010 · 6 claims Severe Storms And Flooding, May 2006 · 3 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 127 Oak St is low, with less than 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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	WAKEFIELD WATER DEPT serves 27,090 people · EPA ID MA3305000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	2 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	3 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 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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