Essex County and Middleton Town property record for 2 Phaneuf St, Middleton, MA 01949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,576 sqft · built 2003 |
| Lot Size | 0.261 acres (11,382 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $925,000 (Jul 2026) |
| Tax Bill | $11,867 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MIDD M:0028 B:0000 L:0054 |
| Primary APN | MIDD M:0028 B:0000 L:0054 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,576 sqft Living Area |
| Gross Area | 4,744 sqft |
| Basement Area | 1,568 sqft |
| Unfinished Basement | 1,568 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,382 sqft (0.261 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 2 PHANEUF ST |
|---|---|
| City | MIDDLETON |
| State | MA |
| Zip | 01949-2314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Subdivision | PROPOSED DEV HSE WILLI |
| Legal Lot Number | 54 |
| Jurisdiction | MIDDLETON MA |
| Township / Civil Division | MIDDLETON |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 212102 |
Source: Essex County and Middleton 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2 PHANEUF ST, MIDDLETON, MA 01949-2314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 15, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage RMA LENDING LLC |
| Mar 24, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Aug 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2026 · Amount on Record |
| Deed Sale | Jul 15, 2026 · Amount on Record |
| Prior Sale | Jun 2, 2016 · Amount on Record |
| Deed Document Number | 20264890 |
| Deed Book / Page | 43509 / 496 |
| Transfer Doc | 034970-560 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Recording Date | Jul 15, 2026 |
| Property Address | 2 PHANEUF ST, MIDDLETON, MA 01949-2314 |
| Document Number | 0000004890 |
| Book / Page | 43509 / 496 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 20264890 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 | Tenants by the Entirety |
| Address | 2 PHANEUF ST, MIDDLETON, MA 01949-2314 |
| Date | Jul 15, 2026 |
|---|
| Name | RMA LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 2 PHANEUF ST, MIDDLETON, MA 01949-2314 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 043288-442 |
|---|---|
| Date | Mar 24, 2026 |
| Book Page | 43288/442 |
| Instrument | 20260324000290 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 2 PHANEUF ST, MIDDLETON, MA 01949-2314 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0040219-89 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 40219/89 |
| Instrument | 20210827003930 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2041 |
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 | $11,867.00 (+3.6%) | $942,600 (-2.16%) Land $311,800 Building $630,800 | $882,575 (-12.2%) |
| 2025 | $11,455.00 (+1.86%) | $963,400 (+1%) Land $329,800 Building $633,600 | $1,005,195 |
| 2024 | $11,246.00 (+5.34%) | $953,900 (+15%) Land $329,800 Building $624,100 | |
| 2023 | $10,676.00 | $829,500 Land $370,300 Building $459,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 14 units insured incl. 6 condo units |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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