15 Cedar St, Wenham, MA 01984 Property Records

Essex County and Wenham Town property record for 15 Cedar St, Wenham, MA 01984

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,089 sqft · built 1900
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on File
Last Sale	$416,000 (Jun 2015)
Tax Bill	$10,910 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0018-0000-0004`

Property Details

APN / Parcel Number

Primary APN	`0018-0000-0004`
Alternative APNs	`WENH M:18 L:4` `650`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,089 sqft Living Area
Gross Area	3,269 sqft
Basement Area	786 sqft
Unfinished Basement	786 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)

Utilities, Heating & Cooling

Heating System	Electric
Heating Fuel	Oil

Location & Zoning

Account Number	650
Street Address	15 CEDAR ST
City	WENHAM
State	MA
Zip	01984-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	4
Jurisdiction	WENHAM MA
Township / Civil Division	WENHAM
Census Block Group	1
Census Block	1013
Census Tract	216100

Owner

15 Cedar St is owned and occupied by an individual who bought it in June 2015.

Source: Essex County and Wenham Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	15 CEDAR ST, WENHAM, MA 01984-1513
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
Jun 27, 2022	Deed of Trust, Mortgage · ARM WINTER HILL FSB
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit WINTER HILL FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2015 · Amount on File
Deed Sale	Jun 15, 2015 · Amount on File
Deed Book / Page	34132 / 340
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WENHAM MA
Property Address	15 CEDAR ST, WENHAM, MA 01984-1513
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041027-185
Date	Jun 27, 2022
Book Page	41027/185
Instrument	20220627002070

Lender

Name	WINTER HILL FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jul 1, 2029
Index	Other

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WENHAM MA
Property Address	15 CEDAR ST, WENHAM, MA 01984-1513
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041027-201
Date	Jun 27, 2022
Book Page	41027/201
Instrument	20220627002080

Lender

Name	WINTER HILL FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 15 Cedar St was $10,910, up 1.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,910.00 (+1.58%)	$682,300 (-1.27%) Land $426,000 Building $243,100	$863,282 (+9.14%)
2025	$10,740.00	$691,100 Land $426,000 Building $265,100	$790,970
2023	$10,497.00	$605,000 Land $415,300 Building $189,700

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

Flood

FEMA maps place 15 Cedar St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 15 Cedar 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% 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	WENHAM WATER DEPT. serves 3,942 people · EPA ID MA3320000
Water Source	Groundwater
Last State Inspection	Nov 2023
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	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 58 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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