5 Cutter St, Wakefield, MA 01880 Property Records

Middlesex County and Wakefield Town property record for 5 Cutter St, Wakefield, MA 01880

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 2,302 sqft · built 1879
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Oct 2017)
Tax Bill	$7,574 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WAKE M:000005 B:0072 P:0000QH`

Property Details

APN / Parcel Number

Primary APN	`WAKE M:000005 B:0072 P:0000QH`
Alternative APN	`4642`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,302 sqft Living Area
Gross Area	3,930 sqft
Basement Area	748 sqft
Unfinished Basement	748 sqft

Exterior

Year Built	Built 1879
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,250 sqft (0.189 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	4642
Street Address	5 CUTTER ST
City	WAKEFIELD
State	MA
Zip	01880-1505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	72
Jurisdiction	WAKEFIELD MA
Township / Civil Division	WAKEFIELD
Census Block Group	7
Census Block	7031
Census Tract	335100

Owner

5 Cutter St is owned and occupied by two individuals who bought it in October 2017.

Source: Middlesex County and Wakefield Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5 CUTTER ST, WAKEFIELD, MA 01880-1505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 9, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 24, 2017	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2017 · Amount on File
Deed Sale	Oct 24, 2017 · Amount on File
Prior Sale	Sep 8, 1992 · Amount on File
Deed Document Number	2017172344
Deed Book / Page	70123 / 268
Transfer Doc	67301-222
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	5 CUTTER ST, WAKEFIELD, MA 01880-1505
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082192-513
Date	Nov 9, 2023
Book Page	82192/513
Instrument	128238

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2063

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKEFIELD MA
Recording Date	Oct 24, 2017
Property Address	5 CUTTER ST, WAKEFIELD, MA 01880-1505
Document Number	70123-268
Book / Page	070123 / 000268
Instrument Date	Oct 24, 2017
Instrument	2344
Transaction Type	Transfer
Record Updated	Nov 14, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,869.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 CUTTER ST WAKEFIELD MA 018801505, WAKEFIELD, MA 01880-1505

Mortgage

Document Number	70123-272
Date	Oct 24, 2017
Book Page	070123/000272
Instrument	2345

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5 Cutter St was $7,574, up 8.4% from the year before.

Source: Middlesex County and Wakefield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Wakefield Town
Unified School District	Wakefield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,574.00 (+8.4%)	$667,300 (+7.44%) Land $368,700 Building $298,600	$628,045 (+1.99%)
2024	$6,987.00 (+5.16%)	$621,100 (+9.66%) Land $366,600 Building $254,500	$615,790
2023	$6,644.00	$566,400 Land $334,300 Building $232,100

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

Flood

FEMA maps place 5 Cutter St 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 September 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 units insured incl. 2 condo units

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

Wildfire risk around 5 Cutter St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	WAKEFIELD WATER DEPT serves 27,090 people · EPA ID MA3305000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cutter St

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