55 Locust St, Middleton, MA 01949 Property Records

Essex County and Middleton Town property record for 55 Locust St, Middleton, MA 01949

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,202 sqft · built 2002
Lot Size	2.66 acres (116,066 sqft)
Owner	2 Individual Names on Record
Last Sale	$820,000 (May 2018)
Tax Bill	$15,939 (2026)
Deeds & Mortgages	Jun 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`200227`

Property Details

APN / Parcel Number

Primary APN	`200227`
Alternative APNs	`MIDD M:0020 B:0000 L:0016 F` `MDLT M:0020 B:0000 L:0016 F` `M:0020 B:0000 L:0016 F`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,202 sqft Living Area
Gross Area	6,130 sqft
Basement Area	918 sqft
Unfinished Basement	918 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	116,066 sqft (2.66 acres)
Garage Type	Attached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	200227
Street Address	55 LOCUST ST
City	MIDDLETON
State	MA
Zip	01949-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Lot Number	16 F
Jurisdiction	MIDDLETON MA
Township / Civil Division	MIDDLETON
Census Block Group	2
Census Block	2008
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	55 LOCUST ST, MIDDLETON, MA 01949-1215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage WEBSTER BK
May 15, 2018	Quit Claim Deed, Transfer · Conventional Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2018 · Amount on Record
Deed Sale	May 15, 2018 · Amount on Record
Prior Sale	Mar 5, 2009
Transfer Doc	0000592555
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLETON MA
Property Address	55 LOCUST ST, MIDDLETON, MA 01949-1215
Document Number	0000613443
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 LOCUST ST MIDDLETON MA 019491215, MIDDLETON, MA 01949-1215

Mortgage

Document Number	0000613443
Date	Jun 26, 2020
Instrument	613443

Lender

Name	WEBSTER BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIDDLETON MA
Recording Date	May 15, 2018
Property Address	55 LOCUST ST, MIDDLETON, MA 01949-1215
Document Number	0000592555
Instrument Date	May 4, 2018
Instrument	592555
Transaction Type	Transfer
Record Updated	Jan 14, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,739.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 LOCUST ST MIDDLETON MA 019491215, MIDDLETON, MA 01949-1215

Mortgage

Document Number	592556
Date	May 15, 2018
Instrument	592556

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

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	$15,939.00 (+10.36%)	$1,266,000 (+4.22%) Land $430,600 Building $753,000	$1,281,956 (+14.57%)
2025	$14,443.00 (+2.63%)	$1,214,700 (+1.77%) Land $374,600 Building $840,100	$1,118,910
2024	$14,073.00 (+7.74%)	$1,193,600 (+17.61%) Land $374,600 Building $819,000
2023	$13,062.00	$1,014,900 Land $374,600 Building $640,300

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	5 in force

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	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 44 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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