173 Elm St, Byfield, MA 01922 Property Records

Essex County and Newbury Town property record for 173 Elm St, Byfield, MA 01922

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,386 sqft · built 2000
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on File
Last Sale	$937,400 (Aug 2018)
Tax Bill	$10,040 (2025)
Deeds & Mortgages	Mar 2021 Refinance Nov 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NEWB M:0R01 B:0000 L:0069A`

Property Details

APN / Parcel Number

Primary APN	`NEWB M:0R01 B:0000 L:0069A`
Alternative APN	`NBRY M:0R01 B:0000 L:0069A`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,386 sqft Living Area
Gross Area	7,110 sqft
Basement Area	1,644 sqft
Unfinished Basement	904 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	50,530 sqft (1.16 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	173 ELM ST
City	BYFIELD
State	MA
Zip	01922-2821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR4
Legal Lot Number	69A
Jurisdiction	NEWBURY MA
Township / Civil Division	NEWBURY
Census Block Group	3
Census Block	3012
Census Tract	269100

Owner

173 Elm St is owned and occupied by two individuals who bought it in August 2018.

Source: Essex County and Newbury Town records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	173 ELM ST, BYFIELD, MA 01922-2821
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
Nov 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
Aug 17, 2018	Quit Claim Deed, Transfer LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Prior Sale	Aug 15, 2003 · Amount on File
Deed Book / Page	36944 / 246
Transfer Doc	036944-246
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	173 ELM ST, NEWBURY, MA 01922-2821
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039618-572
Date	Mar 8, 2021
Book Page	39618/572
Instrument	20210308002180

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	173 ELM ST, NEWBURY, MA 01922-2821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38040-184
Date	Nov 19, 2019
Book Page	38040/184
Instrument	20191119002160

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWBURY MA
Recording Date	Aug 17, 2018
Property Address	173 ELM ST, NEWBURY, MA 01922-2821
Document Number	36944-246
Book / Page	36944 / 246
Instrument	180817001700
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.47
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	369440250
Date	Aug 17, 2018
Instrument	36944/0250

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2048

Interest

Rate	3.75%
Max Rate At Change	90.1%
Max Rate	2.25%

Tax Assessment & Valuation

The 2025 property tax bill for 173 Elm St was $10,040, up 1.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,040.00 (+1.51%)	$1,347,700 (+4.64%) Land $329,100 Building $1,018,600	$1,248,300
2024	$9,891.00 (-4.03%)	$1,287,900 (+8.35%) Land $329,100 Building $958,800
2023	$10,306.00	$1,188,700 Land $307,300 Building $881,400

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

Flood

FEMA maps place 173 Elm St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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
Nearby Flood Claims	6 (1978–2014)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Dec 2014 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 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

Wildfire risk around 173 Elm 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	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	BYFIELD WATER DISTRICT serves 2,228 people · EPA ID MA3205001
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 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 65 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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