140 Central St, Georgetown, MA 01833 Property Records

Essex County and Georgetown Town property record for 140 Central St, Georgetown, MA 01833

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,728 sqft · built 1991
Lot Size	0.475 acres (20,711 sqft)
Owner	2 Individual Names on Record
Last Sale	$97,750 (Apr 1991)
Tax Bill	$8,648 (2026)
Deeds & Mortgages	May 2020 Refinance May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GEOR M:0010A B:00000 L:0025A`

Property Details

APN / Parcel Number

Primary APN	`GEOR M:0010A B:00000 L:0025A`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	3,048 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	20,711 sqft (0.475 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	140 CENTRAL ST
City	GEORGETOWN
State	MA
Zip	01833-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	25A
Jurisdiction	GEORGETOWN MA
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2010
Census Tract	265101

Owner

Source: Essex County and Georgetown Town records, as of October 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	140 CENTRAL ST, GEORGETOWN, MA 01833-2410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DIRECT CU
May 11, 2020	Deed of Trust, Mortgage · Balloon Mortgage DIRECT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 1991 · Amount on Record
Deed Sale	Apr 23, 1991 · Amount on Record
Prior Sale	Dec 10, 1990 · Amount on Record
Deed Book / Page	10766 / 522
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	140 CENTRAL ST, GEORGETOWN, MA 01833-2410
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38505-497
Date	May 11, 2020
Book Page	38505/497
Instrument	20200511006280

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2030

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	140 CENTRAL ST, GEORGETOWN, MA 01833-2410
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38505-509
Date	May 11, 2020
Book Page	38505/509
Instrument	20200511006290

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

Tax Assessment & Valuation

Source: Essex County and Georgetown Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Georgetown Town
Unified School District	Georgetown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,648.00 (+24.41%)	$628,500 (-) Land $196,900 Building $431,600	$616,569 (-12.42%)
2025	$6,951.00 (+6.38%)	$628,500 (+20.73%) Land $196,900 Building $431,600	$704,045
2024	$6,534.00 (+30.99%)	$520,600 (+35.47%) Land $135,800 Building $384,800
2023	$4,988.00	$384,300 Land $135,800 Building $248,500

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

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	0.02% 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	GEORGETOWN WATER DEPARTMENT serves 8,766 people · EPA ID MA3105000
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Jul 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 86 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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