5 Cuddys Way, Middleton, MA 01949 Property Records

Essex County and Middleton Town property record for 5 Cuddys Way, Middleton, MA 01949

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 5,480 sqft · built 2018
Lot Size	2.59 acres (113,212 sqft)
Owner	Individual Name on File
Tax Bill	$18,979 (2026)
Deeds & Mortgages	May 2020 Refinance Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MIDD M:0005 B:0000 L:0013 F`

Property Details

APN / Parcel Number

Primary APN	`MIDD M:0005 B:0000 L:0013 F`
Alternative APN	`MDLT M:0005 B:0000 L:0013 F`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	5,480 sqft Living Area
Gross Area	10,684 sqft
Basement Area	3,084 sqft
Unfinished Basement	3,084 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	113,212 sqft (2.59 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	5 CUDDYS WAY
City	MIDDLETON
State	MA
Zip	01949-1833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	13 F
Jurisdiction	MIDDLETON MA
Township / Civil Division	MIDDLETON
Census Block Group	1
Census Block	1004
Census Tract	212101

Owner

5 Cuddys Way is owned and occupied by an individual.

Source: Essex County and Middleton Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	5 CUDDYS WAY, MIDDLETON, MA 01949-1833
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT
Dec 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	5 CUDDYS WAY, MIDDLETON, MA 01949-1833
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38508-319
Date	May 12, 2020
Book Page	38508/319
Instrument	20200512002420

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2040

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	5 CUDDYS WAY, MIDDLETON, MA 01949-1833
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39359-31
Date	Dec 30, 2020
Book Page	39359/31
Instrument	20201230002170

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 5 Cuddys Way was $18,979, up 11.3% from the year before.

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	$18,979.00 (+11.27%)	$1,507,500 (+5.08%) Land $355,100 Building $1,152,400	$1,628,823
2025	$17,057.00 (-3.78%)	$1,434,600 (-4.59%) Land $355,100 Building $1,079,500
2024	$17,727.00 (+19.55%)	$1,503,600 (+30.51%) Land $355,100 Building $1,148,500
2023	$14,828.00	$1,152,100 Land $250,600 Building $901,500

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

Flood

FEMA maps place 5 Cuddys Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5 Cuddys Way is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 98.9% of Massachusetts
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 17 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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