Essex County and Middleton Town property record for 15 Locust St, Middleton, MA 01949
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,195 sqft · built 2001 |
| Lot Size | 2.84 acres (123,928 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,250,000 (Nov 2024) |
| Tax Bill | $14,899 (2026) |
| Deeds & Mortgages | May 2021 Line of Credit Apr 2026 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 200023 |
| Primary APN | 200023 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,195 sqft Living Area |
| Gross Area | 5,896 sqft |
| Basement Area | 1,086 sqft |
| Unfinished Basement | 1,086 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 123,928 sqft (2.84 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 200023 |
|---|---|
| Street Address | 15 LOCUST ST |
| City | MIDDLETON |
| State | MA |
| Zip | 01949-1209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Lot Number | 3 |
| Jurisdiction | MIDDLETON MA |
| Township / Civil Division | MIDDLETON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 212101 |
15 Locust St is owned and occupied by two individuals who bought it in November 2024.
Source: Essex County and Middleton Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 LOCUST ST, MIDDLETON, MA 01949-1209 |
| 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.
| Date | Document |
|---|---|
| May 19, 2021 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Apr 1, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Nov 8, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP |
| May 19, 2021 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 8, 2024 · Amount on File |
| Deed Sale | Nov 8, 2024 · Amount on File |
| Prior Sale | Dec 19, 2002 · Amount on File |
| Deed Document Number | 2024654932 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 15 LOCUST ST, MIDDLETON, MA 01949-1209 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000625274 |
|---|---|
| Date | May 19, 2021 |
| Instrument | 625274 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Recording Date | Apr 1, 2026 |
| Property Address | 15 LOCUST ST, MIDDLETON, MA 01949-1209 |
| Document Number | 0000665293 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 2026665293 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 15 LOCUST ST, MIDDLETON, MA 01949-1209 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Recording Date | Nov 8, 2024 |
| Property Address | 15 LOCUST ST, MIDDLETON, MA 01949-1209 |
| Document Number | 0000654932 |
| Instrument Date | Nov 8, 2024 |
| Instrument | 654932 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 15 LOCUST ST, MIDDLETON, MA 01949-1209 |
| Document Number | 0000654933 |
|---|---|
| Date | Nov 8, 2024 |
| Instrument | 654933 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.13% |
| Type Change Date | Dec 1, 2031 |
| Max Rate At Change | 2.88% |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 15 LOCUST ST, MIDDLETON, MA 01949-1209 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 625274 |
|---|---|
| Date | May 19, 2021 |
| Instrument | 625274 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 15 Locust St was $14,899, up 19.9% from the year before.
Source: Essex County and Middleton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Middleton Town |
| Secondary School District | Masconomet School District (07 - 12) |
| Elementary School District | Middleton School District (PK - 06) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $14,899.00 (+19.85%) | $1,183,400 (+13.19%) Land $433,700 Building $745,100 | $1,348,633 (+13.98%) |
| 2025 | $12,431.00 (+1.71%) | $1,045,500 (+0.86%) Land $377,700 Building $667,800 | $1,183,225 |
| 2024 | $12,222.00 (+8.31%) | $1,036,600 (+18.23%) Land $377,700 Building $658,900 | |
| 2023 | $11,284.00 | $876,800 Land $377,700 Building $499,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Locust St in Zone X, an area of minimal flood risk.
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 | 5 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 risk around 15 Locust 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MIDDLETON WATER DEPT. serves 7,291 people · EPA ID MA3184000 |
|---|---|
| Water Source | Purchased surface water from DANVERS WATER DEPT. |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes not recorded as resolved · Jul 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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