Middlesex County and Wakefield Town property record for 20 Oak St, Wakefield, MA 01880
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,716 sqft · built 1983 |
| Lot Size | 0.504 acres (21,972 sqft) |
| Owner | Individual on Record |
| Last Sale | $483,000 (Oct 2022) |
| Tax Bill | $7,440 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Apr 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47095 |
| Primary APN | 47095 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,716 sqft Living Area |
| Gross Area | 2,528 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 572 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,972 sqft (0.504 acres) |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Electric |
| Account Number | 47095 |
|---|---|
| Street Address | 20 OAK ST |
| City | WAKEFIELD |
| State | MA |
| Zip | 01880-3918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 295 |
| Jurisdiction | WAKEFIELD MA |
| Township / Civil Division | WAKEFIELD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 335301 |
Source: Middlesex County and Wakefield Town assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 20 OAK ST, WAKEFIELD, MA 01880-3918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 7, 2026 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| Aug 21, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Oct 28, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEEDHAM BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2022 · Amount on Record |
| Deed Sale | Oct 28, 2022 · Amount on Record |
| Prior Sale | Jul 2, 1999 · Amount on Record |
| Deed Document Number | 2022160788 |
| Deed Book / Page | 80883 / 425 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Recording Date | Jul 9, 2026 |
| Property Address | 20 OAK ST, WAKEFIELD, MA 01880-3918 |
| Document Number | 0000084055 |
| Book / Page | 85851 / 565 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202684055 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 OAK ST, WAKEFIELD, MA 01880-3918 |
| Document Number | 0000084055, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 85851/565 |
| Instrument | 202684055 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Recording Date | Apr 7, 2026 |
| Property Address | 20 OAK ST, WAKEFIELD, MA 01880-3918 |
| Document Number | 085441-126 |
| Book / Page | 85441 / 126 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 202638449 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 OAK ST, WAKEFIELD, MA 01880-3918 |
| Investor | Possibly a Property Investor |
| Document Number | 0000038449, |
|---|---|
| Date | Apr 7, 2026 |
| Book Page | 85441/126 |
| Instrument | 202638449 |
| Name | FIDELITY COOPERATIVE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Property Address | 20 OAK ST, WAKEFIELD, MA 01880-3918 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 081911-226 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 81911/226 |
| Instrument | 93973 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Recording Date | Oct 28, 2022 |
| Property Address | 20 OAK ST, WAKEFIELD, MA 01880-3918 |
| Document Number | 080883-425 |
| Book / Page | 80883 / 425 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 160788 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2022 |
| 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 |
|---|---|
| Address | 20 OAK ST, WAKEFIELD, MA 01880-3918 |
| Document Number | 0000160789 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 160789 |
| Name | NEEDHAM BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Nov 1, 2027 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
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 | $7,440.00 (+5.89%) | $655,500 (+4.96%) Land $348,900 Building $306,600 | $600,020 (+0.65%) |
| 2024 | $7,026.00 (-4.26%) | $624,500 (-0.19%) Land $332,400 Building $292,100 | $596,125 |
| 2023 | $7,339.00 | $625,700 Land $319,500 Building $306,200 |
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 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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 32 (1979–2010) |
| Claims Outside the SFHA | 4 of 32 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 512 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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