Essex County and Middleton Town property record for 21 Oak St, Middleton, MA 01949
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 828 sqft · built 1940 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $258,500 (Jan 2014) |
| Tax Bill | $5,226 (2026) |
| Deeds & Mortgages | Nov 2024 Line of Credit Apr 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MIDD M:0019 B:0000 L:0029 |
| Primary APN | MIDD M:0019 B:0000 L:0029 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 828 sqft Living Area |
| Gross Area | 1,752 sqft |
| Basement Area | 828 sqft |
| Unfinished Basement | 828 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 21 OAK ST |
|---|---|
| City | MIDDLETON |
| State | MA |
| Zip | 01949-2226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Lot Number | 29 |
| Jurisdiction | MIDDLETON MA |
| Township / Civil Division | MIDDLETON |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 212101 |
21 Oak St is owned and occupied by two individuals who acquired it in March 2019.
Source: Essex County and Middleton Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 OAK ST, MIDDLETON, MA 01949-2226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Nov 12, 2024 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Apr 12, 2019 | Quit Claim Deed, Transfer JG WENTWORTH HM LNDG |
| Sep 4, 2018 | Quit Claim Deed, Transfer · FHA Mortgage FLORIDA CAPITAL BANK MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2014 · Amount on File |
| Deed Sale | Jan 31, 2014 · Amount on File |
| Deed Book / Page | 33097 / 333 |
| Last Transfer Date | Mar 30, 2019 |
| Transfer Doc | 037437-327 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 21 OAK ST, MIDDLETON, MA 01949-2226 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042425-383 |
|---|---|
| Date | Nov 12, 2024 |
| Book Page | 42425/383 |
| Instrument | 20241112001120 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Recording Date | Apr 12, 2019 |
| Property Address | 21 OAK ST, MIDDLETON, MA 01949-2226 |
| Document Number | 37437-327 |
| Book / Page | 037437 / 000327 |
| Instrument Date | Mar 30, 2019 |
| Instrument | 1904122080 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 OAK ST MIDDLETON MA 019492226, MIDDLETON, MA 01949-2226 |
| Document Number | 37437-329 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 037437/000329 |
| Instrument | 1904122090 |
| Name | JG WENTWORTH HM LNDG |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 11, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Recording Date | Sep 4, 2018 |
| Property Address | 21 OAK ST, MIDDLETON, MA 01949-2226 |
| Document Number | 36989-408 |
| Book / Page | 36989 / 408 |
| Instrument | 180904003810 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $39.26 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 36989-412 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 36989/412 |
| Instrument | 180904003820 |
| Name | FLORIDA CAPITAL BANK MORTGAGE |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
The 2026 property tax bill for 21 Oak St was $5,226, up 0.8% from the year before.
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 | $5,226.00 (+0.79%) | $415,100 (-4.82%) Land $239,500 Building $175,600 | $499,178 (+6.34%) |
| 2025 | $5,185.00 (-2.98%) | $436,100 (-3.79%) Land $239,500 Building $196,600 | $469,395 |
| 2024 | $5,344.00 (+8.13%) | $453,300 (+18.05%) Land $239,500 Building $213,800 | |
| 2023 | $4,942.00 | $384,000 Land $251,800 Building $132,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Oak St in Zone X, an area of minimal flood risk, within 500 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 500 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 risk around 21 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.
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 |
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