Essex County and Middleton Town property record for 3 Elm St, Middleton, MA 01949
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,870 sqft · built 1960 |
| Lot Size | 0.918 acres (40,001 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $407,000 (Sep 2003) |
| Tax Bill | $8,360 (2025) |
| Deeds & Mortgages | Nov 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | MIDD M:0028 B:0000 L:0002 |
| Primary APN | MIDD M:0028 B:0000 L:0002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,870 sqft Living Area |
| Gross Area | 4,296 sqft |
| Basement Area | 409 sqft |
| Unfinished Basement | 409 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,001 sqft (0.918 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 ELM ST |
|---|---|
| City | MIDDLETON |
| State | MA |
| Zip | 01949-2105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Subdivision | PETER MADDEN |
| Legal Lot Number | 2 |
| Jurisdiction | MIDDLETON MA |
| Township / Civil Division | MIDDLETON |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 212102 |
Source: Essex County and Middleton 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 | 2 Individuals on Record |
|---|---|
| Mailing Address | 3 ELM ST, MIDDLETON, MA 01949-2105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2003 · Amount on Record |
| Deed Sale | Sep 29, 2003 · Amount on Record |
| Prior Sale | Oct 11, 1996 · Amount on Record |
| Deed Book / Page | 21840 / 300 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 3 ELM ST, MIDDLETON, MA 01949-2105 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40489-280 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 40489/280 |
| Instrument | 20211116003760 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
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 |
|---|---|---|---|
| 2025 | $8,360.00 (-1.6%) | $703,100 (-2.43%) Land $344,100 Building $359,000 | $858,040 |
| 2024 | $8,496.00 (+7.59%) | $720,600 (+17.44%) Land $344,000 Building $376,600 | |
| 2023 | $7,897.00 | $613,600 Land $344,000 Building $269,600 |
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 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 | 14 units insured incl. 6 condo units |
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 | 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 | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Also Mapped Here | MIDDLETON WATER DEPT. |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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 90 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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