40 Low St, Newbury, MA 01951 Property Records

Essex County and Newbury Town property record for 40 Low St, Newbury, MA 01951

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,780 sqft · built 1985
Lot Size	0.918 acres (40,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Mar 2005)
Tax Bill	$5,135 (2025)
Deeds & Mortgages	Mar 2023 Transfer Feb 2021 Refinance
Flood Zone	Zone AE (high risk)
APN	`NEWB M:0R33 B:0000 L:0020A`

Property Details

APN / Parcel Number

Primary APN	`NEWB M:0R33 B:0000 L:0020A`
Alternative APN	`NBRY M:0R33 B:0000 L:0020A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,780 sqft Living Area
Gross Area	4,767 sqft
Basement Area	1,780 sqft
Unfinished Basement	1,780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,001 sqft (0.918 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 LOW ST
City	NEWBURY
State	MA
Zip	01951-1701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR4
Legal Lot Number	20A
Jurisdiction	NEWBURY MA
Township / Civil Division	NEWBURY
Census Block Group	1
Census Block	1014
Census Tract	269100

Owner

Source: Essex County and Newbury Town records, as of July 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	40 LOW ST, NEWBURY, MA 01951-1701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEWBURYPORT FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2005 · Amount on Record
Deed Sale	Mar 11, 2005 · Amount on Record
Deed Book / Page	24044 / 311
Last Transfer Date	Mar 28, 2023
Transfer Doc	041493-296
Record Updated	Sep 20, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWBURY MA
Recording Date	Mar 28, 2023
Property Address	40 LOW ST, NEWBURY, MA 01951-1701
Document Number	041493-296
Book / Page	41493 / 296
Instrument Date	Mar 28, 2023
Instrument	20230328001450
Transaction Type	Transfer
Record Updated	Apr 14, 2023

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
Address	40 LOW ST, NEWBURY, MA 01951-1701

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	40 LOW ST, NEWBURY, MA 01951-1701
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39477-119
Date	Feb 1, 2021
Book Page	39477/119
Instrument	20210201002510

Lender

Name	NEWBURYPORT FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,135.00 (-0.12%)	$689,200 (+2.96%) Land $320,000 Building $369,200	$656,260
2024	$5,141.00 (+2.57%)	$669,400 (+15.79%) Land $320,000 Building $349,400
2023	$5,012.00	$578,100 Land $298,700 Building $279,400

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 · 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	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	138 (1978–2024)
Claims Outside the SFHA	39 of 138
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 12 claims Coastal Storm, Oct 1991 · 28 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 23 claims

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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