45 Low St, Newbury, MA 01951 Property Records

Essex County and Newbury Town property record for 45 Low St, Newbury, MA 01951

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,325 sqft · built 1985
Lot Size	1.64 acres (71,438 sqft)
Owner	Individual Name on Record
Last Sale	$535,000 (Dec 2020)
Tax Bill	$6,013 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jan 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`NEWB M:0R33 B:0000 L:00034`

Property Details

APN / Parcel Number

Primary APN	`NEWB M:0R33 B:0000 L:00034`
Alternative APN	`NBRY M:0R33 B:0000 L:00034`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,325 sqft Living Area
Gross Area	5,096 sqft
Basement Area	974 sqft
Unfinished Basement	974 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	71,438 sqft (1.64 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 LOW ST
City	NEWBURY
State	MA
Zip	01951-1702
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AR4
Legal Lot Number	34
Jurisdiction	NEWBURY MA
Township / Civil Division	NEWBURY
Census Block Group	1
Census Block	1012
Census Tract	269100

Owner

Source: Essex County and Newbury 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	45 LOW ST, NEWBURY, MA 01951-1702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 25, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 10, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 29, 2020	Quit Claim Deed, Transfer · Conventional Mortgage ROSS MTG CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2020 · Amount on Record
Deed Sale	Dec 29, 2020 · Amount on Record
Prior Sale	Nov 23, 1994 · Amount on Record
Deed Book / Page	39355 / 401
Prior Transfer Date	Dec 21, 2020
Prior Transfer Doc	39355-401
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	45 LOW ST, NEWBURY, MA 01951-1702
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043184-124
Date	Jan 16, 2026
Book Page	43184/124
Instrument	20260116002800

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	45 LOW ST, NEWBURY, MA 01951-1702
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041960-426
Date	Jan 25, 2024
Book Page	41960/426
Instrument	20240125000180

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	45 LOW ST, NEWBURY, MA 01951-1702
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040470-173
Date	Nov 10, 2021
Book Page	40470/173
Instrument	20211110000930

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWBURY MA
Recording Date	Dec 29, 2020
Property Address	45 LOW ST, NEWBURY, MA 01951-1702
Document Number	39355-401
Book / Page	039355 / 000401
Instrument Date	Dec 21, 2020
Instrument	29005920
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,440.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	59 TURKEY HILL RD WEST NEWBURY MA 019852008, WEST NEWBURY, MA 01985-2008

Mortgage

Document Number	39355-402
Date	Dec 29, 2020
Book Page	039355/000402
Instrument	29005930

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2050

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	$6,013.00 (+1.62%)	$807,100 (+4.75%) Land $336,300 Building $470,800	$828,984
2024	$5,917.00 (-0.95%)	$770,500 (+11.83%) Land $336,300 Building $434,200
2023	$5,974.00	$689,000 Land $314,500 Building $374,500

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

Nearby Properties on Low St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures