Essex County and Wenham Town property record for 28 Arbor St, Wenham, MA 01984
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,587 sqft · built 1860 |
| Lot Size | 0.311 acres (13,556 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $10,533 (2026) |
| Deeds & Mortgages | Jul 2025 Line of Credit Aug 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0013-0000-0046 |
| Primary APN | 0013-0000-0046 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,587 sqft Living Area |
| Gross Area | 3,855 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,556 sqft (0.311 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 293 |
|---|---|
| Street Address | 28 ARBOR ST |
| City | WENHAM |
| State | MA |
| Zip | 01984-1440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 46 |
| Jurisdiction | WENHAM MA |
| Township / Civil Division | WENHAM |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 216100 |
28 Arbor St is owned and occupied by an individual who acquired it in November 2017.
Source: Essex County and Wenham Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 ARBOR ST, WENHAM, MA 01984-1440 |
| 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.
| Date | Document |
|---|---|
| Jul 28, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Aug 6, 2019 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Dec 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND |
| Nov 30, 2017 | Quit Claim Deed, Transfer |
| Jun 12, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2017 |
| Deed Sale | Nov 30, 2017 |
| Deed Document Number | 2017171130003300 |
| Deed Book / Page | 36369 / 239 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WENHAM MA |
| Property Address | 28 ARBOR ST, WENHAM, MA 01984-1440 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 042854-114 |
|---|---|
| Date | Jul 28, 2025 |
| Book Page | 42854/114 |
| Instrument | 20250728002970 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WENHAM MA |
| Property Address | 28 ARBOR ST, WENHAM, MA 01984-1440 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37731-65 |
|---|---|
| Date | Aug 6, 2019 |
| Book Page | 37731/65 |
| Instrument | 20190806000570 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WENHAM MA |
| Property Address | 28 ARBOR ST, WENHAM, MA 01984-1440 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39310-64 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 39310/64 |
| Instrument | 20201218001210 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Jan 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WENHAM MA |
| Recording Date | Nov 30, 2017 |
| Property Address | 28 ARBOR ST, WENHAM, MA 01984-1440 |
| Document Number | 36369-239 |
| Book / Page | 036369 / 000239 |
| Instrument Date | Nov 27, 2017 |
| Instrument | 1711303300 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 ARBOR ST WENHAM MA 019841440, WENHAM, MA 01984-1440 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WENHAM MA |
| Recording Date | Jun 12, 2017 |
| Property Address | 28 ARBOR ST, WENHAM, MA 01984-1440 |
| Document Number | 35934-183 |
| Book / Page | 35934 / 183 |
| Instrument | 331 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $74.71 |
|---|---|
| Amount Accuracy | Non-Arm's Length Transaction |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 28 Arbor St was $10,533, down 3.6% from the year before.
Source: Essex County and Wenham Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Wenham Town |
| Unified School District | Hamilton-Wenham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,533.00 (-3.64%) | $658,700 (-6.35%) Land $443,500 Building $207,900 | $723,297 (-49.07%) |
| 2025 | $10,931.00 | $703,400 Land $480,500 Building $222,900 | $1,420,155 |
| 2023 | $10,198.00 | $587,800 Land $467,700 Building $120,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Arbor St in Zone X, an area of minimal flood risk.
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 | 2 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 28 Arbor St is low, with 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 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 | WENHAM WATER DEPT. serves 3,942 people · EPA ID MA3320000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| 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 | None 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 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures