32 Elm St, Georgetown, MA 01833 Property Records

Essex County and Georgetown Town property record for 32 Elm St, Georgetown, MA 01833

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,404 sqft · built 1850
Lot Size	1.49 acres (65,265 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Dec 2002)
Tax Bill	$11,232 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jan 2021 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`GEOR M:0010B B:00000 L:00049`

Property Details

APN / Parcel Number

Primary APN	`GEOR M:0010B B:00000 L:00049`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,404 sqft Living Area
Gross Area	4,984 sqft
Basement Area	1,194 sqft
Unfinished Basement	1,194 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Colonial
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,265 sqft (1.49 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	32 ELM ST
City	GEORGETOWN
State	MA
Zip	01833-2516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	49
Jurisdiction	GEORGETOWN MA
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2011
Census Tract	265101

Owner

32 Elm St is owned and occupied by two individuals who acquired it in December 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	32 ELM ST, GEORGETOWN, MA 01833-2516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Jan 5, 2021	Quit Claim Deed, Transfer Quitclaim
May 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2002 · Amount on File
Deed Sale	Dec 20, 2002 · Amount on File
Deed Book / Page	19860 / 526
Last Transfer Date	Dec 11, 2020
Transfer Doc	39376-426
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	32 ELM ST, GEORGETOWN, MA 01833-2516
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039376-428
Date	Jan 5, 2021
Book Page	39376/428
Instrument	20200105002670

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GEORGETOWN MA
Recording Date	Jan 5, 2021
Property Address	32 ELM ST, GEORGETOWN, MA 01833-2516
Document Number	039376-426
Book / Page	39376 / 426
Instrument Date	Dec 11, 2020
Instrument	20210105002660
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	32 ELM ST, GEORGETOWN, MA 01833-2516

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	32 ELM ST, GEORGETOWN, MA 01833-2516
Document Number	37528-345
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32 ELM ST GEORGETOWN MA 018332516, GEORGETOWN, MA 01833-2516

Mortgage

Document Number	37528-345
Date	May 22, 2019
Book Page	037528/000345
Instrument	1905224040

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 32 Elm St was $11,232, up 24.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Georgetown Town
Unified School District	Georgetown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,232.00 (+24.41%)	$816,300 (-) Land $309,800 Building $506,500	$715,096 (+7.9%)
2025	$9,028.00 (+10.6%)	$816,300 (+25.51%) Land $309,800 Building $506,500	$662,720
2024	$8,163.00 (+20.84%)	$650,400 (+24.98%) Land $214,300 Building $436,100
2023	$6,755.00	$520,400 Land $214,300 Building $306,100

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

Flood

FEMA maps place 32 Elm St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 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 32 Elm St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GEORGETOWN WATER DEPARTMENT serves 8,766 people · EPA ID MA3105000
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Jul 2018
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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