Middlesex County and Wakefield Town property record for 195 Prospect St, Wakefield, MA 01880
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,467 sqft · built 1945 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $540,000 (Sep 2019) |
| Tax Bill | $9,012 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Sep 2019 Sale & Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WAKE M:000004 B:0041 P:0008GA |
| Primary APN | WAKE M:000004 B:0041 P:0008GA |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,467 sqft Living Area |
| Gross Area | 4,506 sqft |
| Basement Area | 1,402 sqft |
| Unfinished Basement | 1,402 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,985 sqft (0.344 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4167 |
|---|---|
| Street Address | 195 PROSPECT ST |
| City | WAKEFIELD |
| State | MA |
| Zip | 01880-2146 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 41 |
| Jurisdiction | WAKEFIELD MA |
| Township / Civil Division | WAKEFIELD |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 335200 |
195 Prospect St is owned and occupied by two individuals who bought it in September 2019.
Source: Middlesex County and Wakefield Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 195 PROSPECT ST, WAKEFIELD, MA 01880-2146 |
| 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.
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Sep 27, 2019 | Quit Claim Deed, Transfer · Stand-Alone Refinance CALIBER HOME LOANS INC |
| Aug 21, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Aug 21, 2018 | Foreclosure Foreclosure Auction |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2019 · Amount on File |
| Deed Sale | Sep 27, 2019 · Amount on File |
| Prior Sale | Aug 21, 2018 |
| Deed Document Number | 2019148100 |
| Deed Book / Page | 73360 / 282 |
| Prior Transfer Date | Sep 26, 2019 |
| Prior Transfer Doc | 73360-285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Property Address | 195 PROSPECT ST, WAKEFIELD, MA 01880-2146 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 075923-371 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 75923/371 |
| Instrument | 190395 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Recording Date | Sep 27, 2019 |
| Property Address | 195 PROSPECT ST, WAKEFIELD, MA 01880-2146 |
| Document Number | 73360-282 |
| Book / Page | 73360 / 282 |
| Instrument Date | Sep 26, 2019 |
| Instrument | 148100 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 |
|---|
| Document Number | 073360-285 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 73360/285 |
| Instrument | 148101 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Recording Date | Aug 21, 2018 |
| Property Address | 195 PROSPECT ST, WAKEFIELD, MA 01880-2146 |
| Document Number | 71503-594 |
| Book / Page | 071503 / 000594 |
| Instrument Date | Aug 17, 2018 |
| Instrument | 128205 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 209 CHELSEA ST EVERETT MA 021494840, EVERETT, MA 02149-4840 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Recording Date | Aug 21, 2018 |
| Property Address | 195 PROSPECT ST, WAKEFIELD, MA 01880-2146 |
| Document Number | 71503-585 |
| Book / Page | 071503 / 000585 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 128202 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 11, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,010.96 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 209 CHELSEA ST EVERETT MA 021494840, EVERETT, MA 02149-4840 |
The 2025 property tax bill for 195 Prospect St was $9,012, up 5.8% from the year before.
Source: Middlesex County and Wakefield Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Wakefield Town |
| Unified School District | Wakefield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,012.00 (+5.84%) | $794,000 (+4.9%) Land $426,000 Building $368,000 | $693,405 (+2.03%) |
| 2024 | $8,515.00 (+2.63%) | $756,900 (+7.01%) Land $405,700 Building $351,200 | $679,630 |
| 2023 | $8,297.00 | $707,300 Land $378,600 Building $328,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Prospect St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1978.
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 File 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 |
|
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 195 Prospect 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 97% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 245 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 |
| AT&T Fixed Wireless | 100 / 20 |
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