129 Oak St, Wakefield, MA 01880 Property Records

Middlesex County and Wakefield Town property record for 129 Oak St, Wakefield, MA 01880

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,078 sqft · built 1940
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,075,000 (Jul 2024)
Tax Bill	$9,083 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`44476`

Property Details

APN / Parcel Number

Primary APN	`44476`
Alternative APN	`WAKE M:000023 B:0002 P:000A30`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,078 sqft Living Area
Gross Area	3,692 sqft
Basement Area	1,334 sqft
Unfinished Basement	1,334 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1961
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,999 sqft (0.207 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	44476
Street Address	129 OAK ST
City	WAKEFIELD
State	MA
Zip	01880-3854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Subdivision	PLAN 33380-A
Legal Block	2
Jurisdiction	WAKEFIELD MA
Township / Civil Division	WAKEFIELD
Census Block Group	1
Census Block	1004
Census Tract	335400

Owner

Source: Middlesex County and Wakefield 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	129 OAK ST, WAKEFIELD, MA 01880-3854
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Line of Credit ALIGN CREDIT UNION
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE COMPANY
Jul 26, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Jun 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEW FED MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2024 · Amount on Record
Deed Sale	Jul 26, 2024 · Amount on Record
Prior Sale	Sep 13, 2018 · Amount on Record
Deed Document Number	20241961069
Transfer Doc	0001797316
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Recording Date	May 20, 2026
Property Address	129 OAK ST, WAKEFIELD, MA 01880-3854
Document Number	0002000018
Instrument Date	May 15, 2026
Instrument	20262000018
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 OAK ST, WAKEFIELD, MA 01880-3854

Mortgage

Document Number	0002000018,
Date	May 20, 2026
Instrument	20262000018

Lender

Name	ALIGN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.3%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Recording Date	Apr 1, 2026
Property Address	129 OAK ST, WAKEFIELD, MA 01880-3854
Document Number	0001997092
Instrument Date	Mar 27, 2026
Instrument	20261997092
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 OAK ST, WAKEFIELD, MA 01880-3854

Mortgage

Document Number	0001997092,
Date	Apr 1, 2026
Instrument	20261997092

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

July 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKEFIELD MA
Recording Date	Jul 26, 2024
Property Address	129 OAK ST, WAKEFIELD, MA 01880-3854
Document Number	0001961069
Instrument Date	Jul 26, 2024
Instrument	1961069
Transaction Type	Transfer
Record Updated	Feb 9, 2026

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	129 OAK ST, WAKEFIELD, MA 01880-3854

Mortgage

Document Number	0001961070
Date	Jul 26, 2024
Instrument	1961070

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	129 OAK ST, WAKEFIELD, MA 01880-3854
Document Number	0001846135
Instrument Date	Jun 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	129 OAK ST WAKEFIELD MA 018803854, WAKEFIELD, MA 01880-3854

Mortgage

Document Number	0001846135
Date	Jul 3, 2020
Instrument	1846135

Lender

Name	NEW FED MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2050

Tax Assessment & Valuation

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	$9,083.00 (+5.8%)	$800,300 (+4.87%) Land $332,900 Building $467,400	$995,220 (+0.14%)
2024	$8,585.00 (-0.29%)	$763,100 (+3.96%) Land $317,200 Building $445,900	$993,795
2023	$8,610.00	$734,000 Land $304,900 Building $429,100

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 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

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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