Essex County and Middleton Town property record for 41 Central St, Middleton, MA 01949
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,085 sqft · built 1930 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $378,000 (May 2019) |
| Tax Bill | $6,036 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance Jan 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MIDD M:0025 B:0000 L:0144 |
| Primary APN | MIDD M:0025 B:0000 L:0144 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,085 sqft Living Area |
| Gross Area | 2,504 sqft |
| Basement Area | 822 sqft |
| Unfinished Basement | 822 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 41 CENTRAL ST |
|---|---|
| City | MIDDLETON |
| State | MA |
| Zip | 01949-1716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Subdivision | LAND MIDDLETON |
| Legal Lot Number | 144 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 41 CENTRAL ST, MIDDLETON, MA 01949-1716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Jan 11, 2022 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Mar 26, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU |
| Aug 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| May 24, 2019 | Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2019 · Amount on Record |
| Deed Sale | May 24, 2019 · Amount on Record |
| Prior Sale | Jan 2, 2015 · Amount on Record |
| Deed Book / Page | 37534 / 156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 41 CENTRAL ST, MIDDLETON, MA 01949-1716 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040194-136 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 40194/136 |
| Instrument | 20210820001130 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 41 CENTRAL ST, MIDDLETON, MA 01949-1716 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040646-340 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 40646/340 |
| Instrument | 20220111000080 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 41 CENTRAL ST, MIDDLETON, MA 01949-1716 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042630-503 |
|---|---|
| Date | Mar 26, 2025 |
| Book Page | 42630/503 |
| Instrument | 20250326000770 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Property Address | 41 CENTRAL ST, MIDDLETON, MA 01949-1716 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38830-242 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 38830/242 |
| Instrument | 20200817004560 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIDDLETON MA |
| Recording Date | May 24, 2019 |
| Property Address | 41 CENTRAL ST, MIDDLETON, MA 01949-1716 |
| Document Number | 37534-156 |
| Book / Page | 37534 / 156 |
| Instrument Date | May 24, 2019 |
| Instrument | 20190524002220 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|
| Document Number | 190524002230 |
|---|---|
| Date | May 24, 2019 |
| Instrument | 190524002230 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $6,036.00 (-2%) | $479,400 (-7.45%) Land $321,100 Building $158,300 | $584,618 (+11%) |
| 2025 | $6,159.00 (-2.22%) | $518,000 (-3.05%) Land $339,700 Building $178,300 | $526,680 |
| 2024 | $6,299.00 (-2.19%) | $534,300 (+6.77%) Land $339,700 Building $194,600 | |
| 2023 | $6,440.00 | $500,400 Land $381,400 Building $119,000 |
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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