54 Mill St, Middleton, MA 01949 Property Records

Essex County and Middleton Town property record for 54 Mill St, Middleton, MA 01949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,304 sqft · built 1994
Lot Size	0.493 acres (21,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$402,000 (Apr 2012)
Tax Bill	$10,193 (2026)
Deeds & Mortgages	Apr 2021 Refinance Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MIDD M:0013 B:0000 L:0022`

Property Details

APN / Parcel Number

Primary APN	`MIDD M:0013 B:0000 L:0022`
Alternative APN	`MDLT M:0013 B:0000 L:0022`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,304 sqft Living Area
Gross Area	5,562 sqft
Basement Area	1,048 sqft
Unfinished Basement	1,048 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,462 sqft (0.493 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	54 MILL ST
City	MIDDLETON
State	MA
Zip	01949-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Subdivision	MIDDLETON PINES
Legal Lot Number	22
Jurisdiction	MIDDLETON MA
Township / Civil Division	MIDDLETON
Census Block Group	1
Census Block	1014
Census Tract	212101

Owner

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	54 MILL ST, MIDDLETON, MA 01949-1431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Apr 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Apr 19, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2012 · Amount on Record
Deed Sale	Apr 9, 2012 · Amount on Record
Deed Book / Page	31240 / 116
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	54 MILL ST, MIDDLETON, MA 01949-1431
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00039785-1
Date	Apr 20, 2021
Book Page	39785/1
Instrument	20210420005610

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	54 MILL ST, MIDDLETON, MA 01949-1431
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39785-1
Date	Apr 20, 2021
Book Page	39785/1
Instrument	20210420005610

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	54 MILL ST, MIDDLETON, MA 01949-1431
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35808-574
Date	Apr 19, 2017
Book Page	35808/574
Instrument	508

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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	$10,193.00 (+17.17%)	$809,600 (+10.66%) Land $335,100 Building $471,700	$876,589 (+14.03%)
2025	$8,699.00 (-3.1%)	$731,600 (-3.91%) Land $288,200 Building $443,400	$768,740
2024	$8,977.00 (+10.17%)	$761,400 (+20.27%) Land $288,200 Building $473,200
2023	$8,148.00	$633,100 Land $288,200 Building $344,900

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

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

Values are read at the parcel center point; 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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