18 Oak St, Middleton, MA 01949 Property Records

Essex County and Middleton Town property record for 18 Oak St, Middleton, MA 01949

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,618 sqft · built 2015
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Jun 2015)
Tax Bill	$12,220 (2026)
Deeds & Mortgages	Jan 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MIDD M:0019 B:0000 L:0027`

Property Details

APN / Parcel Number

Primary APN	`MIDD M:0019 B:0000 L:0027`
Alternative APNs	`MDLT M:0019 B:0000 L:0027` `7997`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,618 sqft Living Area
Gross Area	4,740 sqft
Basement Area	908 sqft
Unfinished Basement	908 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7997
Street Address	18 OAK ST
City	MIDDLETON
State	MA
Zip	01949-2225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Lot Number	27
Jurisdiction	MIDDLETON MA
Township / Civil Division	MIDDLETON
Census Block Group	3
Census Block	3016
Census Tract	212101

Owner

18 Oak St is owned and occupied by two individuals who bought it in June 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	18 OAK ST, MIDDLETON, MA 01949-2225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2015 · Amount on File
Deed Sale	Jun 17, 2015 · Amount on File
Deed Book / Page	34142 / 584
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	18 OAK ST, MIDDLETON, MA 01949-2225
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039467-197
Date	Jan 29, 2021
Book Page	39467/197
Instrument	20210129000520

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 18 Oak St was $12,220, up 5.5% from the year before.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,220.00 (+5.5%)	$970,600 (-0.37%) Land $298,300 Building $672,300	$1,147,011 (+12.93%)
2025	$11,583.00 (+1.86%)	$974,200 (+1.01%) Land $298,300 Building $675,900	$1,015,645
2024	$11,371.00 (+9.83%)	$964,500 (+19.9%) Land $298,300 Building $666,200
2023	$10,353.00	$804,400 Land $313,100 Building $491,300

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

Flood

FEMA maps place 18 Oak St in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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 18 Oak 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 93% of the US · lower than 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20