54 Central St, Byfield, MA 01922 Property Records

Essex County and Newbury Town property record for 54 Central St, Byfield, MA 01922

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,608 sqft · built 1900
Lot Size	0.926 acres (40,332 sqft)
Owner	2 Individual Names on Record
Last Sale	$689,000 (Aug 2023)
Tax Bill	$5,093 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`NEWB M:0R18 B:0000 L:00018`

Property Details

APN / Parcel Number

Primary APN	`NEWB M:0R18 B:0000 L:00018`
Alternative APN	`NBRY M:0R18 B:0000 L:00018`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,608 sqft Living Area
Gross Area	4,924 sqft
Basement Area	1,054 sqft
Unfinished Basement	1,054 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,332 sqft (0.926 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	54 CENTRAL ST
City	BYFIELD
State	MA
Zip	01922-1520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR4
Legal Lot Number	18
Jurisdiction	NEWBURY MA
Township / Civil Division	NEWBURY
Census Block Group	5
Census Block	5051
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	54 CENTRAL ST, BYFIELD, MA 01922-1520
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Nov 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2023 · Amount on Record
Deed Sale	Aug 9, 2023 · Amount on Record
Prior Sale	Feb 1, 2001 · Amount on Record
Deed Document Number	20231950
Deed Book / Page	41705 / 328
Record Updated	Sep 20, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEWBURY MA
Recording Date	Aug 9, 2023
Property Address	54 CENTRAL ST, NEWBURY, MA 01922-1520
Document Number	041705-328
Book / Page	41705 / 328
Instrument Date	Aug 9, 2023
Instrument	20230809001950
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	54 CENTRAL ST, NEWBURY, MA 01922-1520

Mortgage

Document Number	230809001960
Date	Aug 9, 2023
Instrument	230809001960

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEWBURY MA
Property Address	54 CENTRAL ST, NEWBURY, MA 01922-1520
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40510-65
Date	Nov 22, 2021
Book Page	40510/65
Instrument	20211122004850

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

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	$5,093.00 (+2.06%)	$683,600 (+5.2%) Land $305,700 Building $377,900	$904,400
2024	$4,990.00 (-2.65%)	$649,800 (+9.91%) Land $305,700 Building $344,100
2023	$5,126.00	$591,200 Land $277,900 Building $313,300

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	8 (1978–2014)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Dec 2014 · rainfall accumulation
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 4 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BYFIELD WATER DISTRICT serves 2,228 people · EPA ID MA3205001
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 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	None 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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