Essex County and Middleton Town property record for 38 Central St, Middleton, MA 01949
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,556 sqft · built 1925 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Feb 1998) |
| Tax Bill | $6,950 (2026) |
| Deeds & Mortgages | Oct 2019 Mortgage Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MIDD M:0025 B:0000 L:0142 |
| Primary APN | MIDD M:0025 B:0000 L:0142 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,556 sqft Living Area |
| Gross Area | 2,542 sqft |
| Basement Area | 714 sqft |
| Unfinished Basement | 714 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Detached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 38 CENTRAL ST |
|---|---|
| City | MIDDLETON |
| State | MA |
| Zip | 01949-1714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Lot Number | 142 |
| Jurisdiction | MIDDLETON MA |
| Township / Civil Division | MIDDLETON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 212102 |
Source: Essex County and Middleton Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 38 CENTRAL ST, MIDDLETON, MA 01949-1714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2019 | Deed of Trust, Mortgage · VA Mortgage ARC HOME LLC |
| Aug 26, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) WAKEFIELD COOPERATIVE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 13, 1998 · Amount on Record |
| Deed Sale | Feb 13, 1998 · Amount on Record |
| Prior Sale | Nov 30, 1995 · Amount on Record |
| Deed Book / Page | 14590 / 351 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 38 CENTRAL ST, MIDDLETON, MA 01949-1714 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 037910-235 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 37910/235 |
| Instrument | 20191007001500 |
| Name | ARC HOME LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 38 CENTRAL ST, MIDDLETON, MA 01949-1714 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 041152-456 |
|---|---|
| Date | Aug 26, 2022 |
| Book Page | 41152/456 |
| Instrument | 42 |
| Name | WAKEFIELD COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2037 |
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 |
|---|---|---|---|
| 2026 | $6,950.00 (+4.62%) | $552,000 (-1.2%) Land $294,200 Building $253,400 | $623,254 (+5.8%) |
| 2025 | $6,643.00 (+6.73%) | $558,700 (+5.83%) Land $311,200 Building $247,500 | $589,095 |
| 2024 | $6,224.00 (-9.63%) | $527,900 (-1.35%) Land $311,200 Building $216,700 | |
| 2023 | $6,887.00 | $535,100 Land $349,300 Building $185,800 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | Direct burnable vegetation |
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 | MIDDLETON WATER DEPT. serves 7,291 people · EPA ID MA3184000 |
|---|---|
| Water Source | Purchased surface water from DANVERS WATER DEPT. |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes not recorded as resolved · Jul 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 137 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 |
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