Middlesex County and Wakefield Town property record for 32 Charles St, Wakefield, MA 01880
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,512 sqft · built 1930 |
| Lot Size | 0.211 acres (9,182 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $621,050 (Jan 2021) |
| Tax Bill | $7,632 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Dec 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38551 |
| Primary APN | 38551 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,512 sqft Living Area |
| Gross Area | 3,183 sqft |
| Basement Area | 772 sqft |
| Unfinished Basement | 772 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,182 sqft (0.211 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 38551 |
|---|---|
| Street Address | 32 CHARLES ST |
| City | WAKEFIELD |
| State | MA |
| Zip | 01880-3744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 9 |
| Jurisdiction | WAKEFIELD MA |
| Township / Civil Division | WAKEFIELD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 335301 |
32 Charles St is owner-occupied and held in a trust since January 2021.
Source: Middlesex County and Wakefield Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 32 CHARLES ST, WAKEFIELD, MA 01880-3744 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 20, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Dec 19, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Jan 21, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Oct 26, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2021 · Amount on File |
| Deed Sale | Jan 21, 2021 · Amount on File |
| Prior Sale | Dec 24, 2013 · Amount on File |
| Deed Book / Page | 76748 / 543 |
| Prior Transfer Date | Jan 12, 2021 |
| Prior Transfer Doc | 76748-543 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Property Address | 32 CHARLES ST, WAKEFIELD, MA 01880-3744 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084902-230 |
|---|---|
| Date | Nov 20, 2025 |
| Book Page | 84902/230 |
| Instrument | 142359 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Recording Date | Dec 19, 2023 |
| Property Address | 32 CHARLES ST, WAKEFIELD, MA 01880-3744 |
| Document Number | 0082324-52 |
| Book / Page | 82324 / 52 |
| Instrument Date | Dec 15, 2023 |
| Instrument | 144452 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 CHARLES ST, WAKEFIELD, MA 01880-3744 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Recording Date | Jan 21, 2021 |
| Property Address | 32 CHARLES ST, WAKEFIELD, MA 01880-3744 |
| Document Number | 76748-543 |
| Book / Page | 76748 / 543 |
| Instrument Date | Jan 12, 2021 |
| Instrument | 14352 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | 32 CHARLES ST, WAKEFIELD, MA 01880-3744 |
| Document Number | 14353 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | 14353 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKEFIELD MA |
| Property Address | 32 CHARLES ST, WAKEFIELD, MA 01880-3744 |
| Document Number | 71860-500 |
| Instrument Date | Oct 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2018 |
| Name | Verified Name |
|---|---|
| Address | 32 CHARLES ST WAKEFIELD MA 018803744, WAKEFIELD, MA 01880-3744 |
| Document Number | 71860-500 |
|---|---|
| Date | Nov 8, 2018 |
| Book Page | 071860/000500 |
| Instrument | 2250 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 7, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 32 Charles St was $7,632, up 1.5% from the year before.
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 | $7,632.00 (+1.48%) | $672,400 (+0.58%) Land $359,300 Building $313,100 | $752,400 (+3.38%) |
| 2024 | $7,521.00 (+5.1%) | $668,500 (+9.57%) Land $357,200 Building $311,300 | $727,795 |
| 2023 | $7,156.00 | $610,100 Land $325,800 Building $284,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 Charles St in Zone X, an area of minimal flood risk, though there have been 32 flood claims nearby since 1979.
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.
Wildfire risk around 32 Charles 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 99.1% of the US · lower than 98.7% 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: 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 544 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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