165 Prospect St, Wakefield, MA 01880 Property Records

Middlesex County and Wakefield Town property record for 165 Prospect St, Wakefield, MA 01880

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 3,629 sqft · built 1910
Lot Size	0.344 acres (15,002 sqft)
Owner	Individual Name on Record
Last Sale	$700,000 (Jan 2017)
Tax Bill	$15,892 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WAKE M:000004 B:0114 P:00005A`

Property Details

APN / Parcel Number

Primary APN	`WAKE M:000004 B:0114 P:00005A`
Alternative APN	`3789`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,629 sqft Living Area
Gross Area	6,992 sqft
Basement Area	1,688 sqft
Unfinished Basement	1,435 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1948
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,002 sqft (0.344 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3789
Street Address	165 PROSPECT ST
City	WAKEFIELD
State	MA
Zip	01880-2147
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SR
Legal Block	114
Jurisdiction	WAKEFIELD MA
Township / Civil Division	WAKEFIELD
Census Block Group	3
Census Block	3014
Census Tract	335200

Owner

Source: Middlesex County and Wakefield 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	Individual Name on Record
Mailing Address	165 PROSPECT ST, WAKEFIELD, MA 01880-2147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · ARM FALL RIVER FIVE CENTS SAVINGS BANK
Mar 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CU
Jan 26, 2017	Quit Claim Deed, Transfer EASTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2017 · Amount on Record
Deed Sale	Jan 26, 2017 · Amount on Record
Prior Sale	Nov 26, 2014
Deed Book / Page	68815 / 478
Transfer Doc	068815-478
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	165 PROSPECT ST, WAKEFIELD, MA 01880-2147
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080080-491
Date	May 4, 2022
Book Page	80080/491
Instrument	67304

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2029
Index	1-Year CMT

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	165 PROSPECT ST, WAKEFIELD, MA 01880-2147
Document Number	69048-337
Book / Page	069048 / 000337
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69048-337
Date	Mar 24, 2017
Book Page	069048/000337
Instrument	43349

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.49%

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKEFIELD MA
Recording Date	Jan 26, 2017
Property Address	165 PROSPECT ST, WAKEFIELD, MA 01880-2147
Document Number	68815-478
Book / Page	68815 / 478
Instrument	14574
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84.14
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	688150481
Date	Jan 26, 2017
Instrument	68815/0481

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

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	$15,892.00 (+5.93%)	$1,400,200 (+4.99%) Land $426,000 Building $974,200	$835,668
2024	$15,003.00 (+2.77%)	$1,333,600 (+7.15%) Land $405,700 Building $927,900
2023	$14,599.00	$1,244,600 Land $378,600 Building $866,000

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	7 (1978–2014)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Dec 2014 · rainfall accumulation
Claims by Event	Heavy Rains And Flooding, Jun 1998 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 434 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

165 Prospect St, Wakefield, MA 01880 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Prospect St

Nearby Streets

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