4 James Ave, Middleton, MA 01949 Property Records

Essex County and Middleton Town property record for 4 James Ave, Middleton, MA 01949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,252 sqft · built 1994
Lot Size	0.469 acres (20,438 sqft)
Owner	2 Individual Names on Record
Last Sale	$695,000 (Nov 2008)
Tax Bill	$11,155 (2026)
Deeds & Mortgages	Jul 2018 Mortgage May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MIDD M:0028 B:0000 L:0018 K`

Property Details

APN / Parcel Number

Primary APN	`MIDD M:0028 B:0000 L:0018 K`
Alternative APN	`MDLT M:0028 B:0000 L:0018 K`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,252 sqft Living Area
Gross Area	4,270 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,438 sqft (0.469 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	4 JAMES AVE
City	MIDDLETON
State	MA
Zip	01949-2146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Subdivision	FIELDSTONE PLACE
Legal Lot Number	18 K
Jurisdiction	MIDDLETON MA
Township / Civil Division	MIDDLETON
Census Block Group	1
Census Block	1017
Census Tract	212102

Owner

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	2 Individual Names on Record
Mailing Address	4 JAMES AVE, MIDDLETON, MA 01949-2146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2018	Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU
May 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2008 · Amount on Record
Deed Sale	Nov 18, 2008 · Amount on Record
Deed Book / Page	28156 / 189
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	4 JAMES AVE, MIDDLETON, MA 01949-2146
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36841-406
Date	Jul 3, 2018
Book Page	36841/406
Instrument	180703003200

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jul 1, 2058

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	4 JAMES AVE, MIDDLETON, MA 01949-2146
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38535-244
Date	May 20, 2020
Book Page	38535/244
Instrument	20200520003000

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2030

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,155.00 (+5.52%)	$886,000 (-0.35%) Land $356,400 Building $527,100	$919,643 (-23.09%)
2025	$10,571.00 (+4.64%)	$889,100 (+3.77%) Land $356,400 Building $532,700	$1,195,765
2024	$10,102.00 (+4.09%)	$856,800 (+13.62%) Land $333,200 Building $523,600
2023	$9,705.00	$754,100 Land $364,700 Building $389,400

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

Flood

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.

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	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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