23 Oak St, Middleton, MA 01949 Property Records

Essex County and Middleton Town property record for 23 Oak St, Middleton, MA 01949

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 907 sqft · built 1910
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Tax Bill	$5,979 (2026)
Deeds & Mortgages	Jul 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MIDD M:0019 B:0000 L:0028`

Property Details

APN / Parcel Number

Primary APN	`MIDD M:0019 B:0000 L:0028`
Alternative APN	`MDLT M:0019 B:0000 L:0028`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	907 sqft Living Area
Gross Area	2,163 sqft
Basement Area	569 sqft
Unfinished Basement	569 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	23 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	28
Jurisdiction	MIDDLETON MA
Township / Civil Division	MIDDLETON
Census Block Group	3
Census Block	3016
Census Tract	212101

Owner

23 Oak St is owned and occupied by an individual who acquired it in April 2014.

Source: Essex County and Middleton Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	23 OAK ST, MIDDLETON, MA 01949-2226
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2014
Deed Sale	Apr 9, 2014
Prior Sale	Dec 21, 2001 · Amount on File
Deed Book / Page	33209 / 330
Transfer Doc	3320000330
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	23 OAK ST, MIDDLETON, MA 01949-2226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38709-155
Date	Jul 14, 2020
Book Page	38709/155
Instrument	20200714001800

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 23 Oak St was $5,979, up 8% from the year before.

Source: Essex County and Middleton Town assessment roll, as of April 14, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,979.00 (+8.02%)	$474,900 (+2.02%) Land $242,200 Building $232,700	$540,934 (-4.67%)
2025	$5,535.00 (+7.37%)	$465,500 (+6.47%) Land $242,200 Building $223,300	$567,435
2024	$5,155.00 (-3.54%)	$437,200 (+5.3%) Land $242,200 Building $195,000
2023	$5,344.00	$415,200 Land $254,600 Building $160,600

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

Flood

FEMA maps place 23 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

Wildfire risk around 23 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.

Internet Providers

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