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20 James Ave, Middleton, MA 01949 Property Records

Essex County and Middleton Town property record for 20 James Ave, Middleton, MA 01949

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,555 sqft · built 1994
Lot Size0.921 acres (40,101 sqft)
Owner2 Individual Names on File
Last Sale$1,250,000 (Dec 2023)
Tax Bill$13,451 (2025)
Deeds & MortgagesDec 2023 Sale & Mortgage
Sep 2018 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APNMIDD M:0028 B:0000 L:0018 B

Property Details

APN / Parcel Number

Primary APNMIDD M:0028 B:0000 L:0018 B
Alternative APN
  • MDLT M:0028 B:0000 L:0018 B

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,555 sqft Living Area
Gross Area5,049 sqft
Basement Area1,353 sqft
Unfinished Basement1,353 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Architectural StyleColonial
Exterior MaterialWood Siding
Construction TypeFrame
Foundation TypeNo Foundation
Roof TypeGable
Roof MaterialAsphalt
Lot Area40,101 sqft (0.921 acres)
Garage TypeAttached
Pool TypeIn-Ground Pool

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water
Heating FuelGas

Location & Zoning

Street Address20 JAMES AVE
CityMIDDLETON
StateMA
Zip01949-2146
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1B
Legal SubdivisionFIELDSTONE PLACE
Legal Lot Number18 B
JurisdictionMIDDLETON MA
Township / Civil DivisionMIDDLETON
Census Block Group1
Census Block1017
Census Tract212102

Owner

Source: Essex County and Middleton Town records · APN MIDD M:0028 B:0000 L:0018 B

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address20 JAMES AVE, MIDDLETON, MA 01949-2146
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Dec 15, 2023Quit Claim Deed, Transfer · Stand-Alone First Mortgage
NAVY FCU
Sep 05, 2018Deed of Trust, Mortgage · Line of Credit
TD BANK NA
Jun 17, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
GUARANTEED RATE INC
Dec 31, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 15, 2023 · Amount on Record
Deed SaleDec 15, 2023 · Amount on Record
Prior SaleMay 31, 1994 · Amount on Record
Deed Document Number2023310
Deed Book / Page41908 / 104
Record UpdatedSep 20, 2026

December 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMIDDLETON MA
Recording DateDec 15, 2023
Property Address20 JAMES AVE, MIDDLETON, MA 01949-2146
Document Number041908-104
Book / Page41908 / 104
Instrument DateDec 15, 2023
Instrument20231215000310
Transaction TypeTransfer
Record UpdatedDec 29, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address20 JAMES AVE, MIDDLETON, MA 01949-2146

Mortgage

Document Number231215000320
DateDec 15, 2023
Instrument231215000320
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate5.25%
Type Change DateJan 01, 2029
Max Rate At Change2%
Index5-Year CMT
Margin2

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMIDDLETON MA
Property Address20 JAMES AVE, MIDDLETON, MA 01949-2146
Transaction TypeMortgage
Record UpdatedFeb 07, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number36990-270
DateSep 05, 2018
Book Page36990/270
Instrument180905000280
Lender
NameTD BANK NA
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueSep 01, 2048

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMIDDLETON MA
Property Address20 JAMES AVE, MIDDLETON, MA 01949-2146
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number38622-91
DateJun 17, 2020
Book Page38622/91
Instrument20200617003970
Lender
NameGUARANTEED RATE INC
TypeNon-Lending Institution
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term181 Months
DueJul 01, 2035

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMIDDLETON MA
Recording DateDec 31, 2020
Property Address20 JAMES AVE, MIDDLETON, MA 01949-2146
Document Number39366-328
Book / Page039366 / 000328
Instrument DateSep 11, 2020
Instrument31003800
Transaction TypeTransfer
Record UpdatedJan 19, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address20 JAMES AVE MIDDLETON MA 019492146, MIDDLETON, MA 01949-2146

Tax Assessment & Valuation

Source: Essex County and Middleton Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyEssex County
County SubdivisionMiddleton Town
Secondary School DistrictMasconomet School District (07 - 12)
Elementary School DistrictMiddleton School District (PK - 06)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$13,451.00 (+12.63%)$1,131,300 (+11.68%) Land $430,100 Building $701,200$1,293,520
2024$11,943.00 (+2.96%)$1,013,000 (+12.39%) Land $402,100 Building $610,900
2023$11,600.00$901,300 Land $440,100 Building $461,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fiber		980 / 880
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 53 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemMIDDLETON WATER DEPT.
serves 7,291 people
Water SourcePurchased surface water from DANVERS WATER DEPT.
Last State InspectionDec 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
not recorded as resolved · Jul 2025
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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