129 Elm St, Byfield, MA 01922 Property Records

Essex County and Newbury Town property record for 129 Elm St, Byfield, MA 01922

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,535 sqft · built 1991
Lot Size	0.929 acres (40,450 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (May 1991)
Tax Bill	$5,275 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Aug 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`NEWB M:0R01 B:0000 L:00082`

Property Details

APN / Parcel Number

Primary APN	`NEWB M:0R01 B:0000 L:00082`
Alternative APN	`NBRY M:0R01 B:0000 L:00082`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,535 sqft Living Area
Gross Area	4,960 sqft
Basement Area	1,618 sqft
Unfinished Basement	1,618 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,450 sqft (0.929 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	129 ELM ST
City	BYFIELD
State	MA
Zip	01922-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR 4
Legal Subdivision	PAUL O NEILL
Legal Lot Number	82
Jurisdiction	NEWBURY MA
Township / Civil Division	NEWBURY
Census Block Group	3
Census Block	3012
Census Tract	269100

Owner

129 Elm St is owned and occupied by two individuals who bought it in May 1991.

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

Owner of Record	2 Individual Names on File
Mailing Address	129 ELM ST, BYFIELD, MA 01922-2817
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
Jul 25, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNION HOME MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 1991 · Amount on File
Deed Sale	May 24, 1991 · Amount on File
Deed Book / Page	10806 / 2296
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	129 ELM ST, NEWBURY, MA 01922-2817
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041087-336
Date	Jul 25, 2022
Book Page	41087/336
Instrument	20220725004470

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	129 ELM ST, NEWBURY, MA 01922-2817
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40228-225
Date	Aug 31, 2021
Book Page	40228/225
Instrument	20210831000530

Lender

Name	UNION HOME MORTGAGE

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 129 Elm St was $5,275, up 0.1% 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	$5,275.00 (+0.13%)	$708,100 (+3.24%) Land $320,900 Building $387,200	$773,585
2024	$5,268.00 (-2.57%)	$685,900 (+9.99%) Land $320,900 Building $365,000
2023	$5,407.00	$623,600 Land $299,500 Building $324,100

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

Flood

FEMA maps place 129 Elm St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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

Wildfire risk around 129 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	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 67 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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