78 Cedar St, Wenham, MA 01984 Property Records

Essex County and Wenham Town property record for 78 Cedar St, Wenham, MA 01984

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,152 sqft · built 1940
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$605,000 (Jun 2021)
Tax Bill	$10,371 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0025-0000-0026`

Property Details

APN / Parcel Number

Primary APN	`0025-0000-0026`
Alternative APNs	`WENH M:25 L:26` `999`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,152 sqft Living Area
Gross Area	2,360 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	999
Street Address	78 CEDAR ST
City	WENHAM
State	MA
Zip	01984-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	26
Jurisdiction	WENHAM MA
Township / Civil Division	WENHAM
Census Block Group	2
Census Block	2019
Census Tract	216100

Owner

78 Cedar St is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	78 CEDAR ST, WENHAM, MA 01984-1534
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
Jun 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Feb 8, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTH SHORE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Feb 8, 2021 · Amount on File
Deed Book / Page	40042 / 481
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WENHAM MA
Recording Date	Jun 30, 2021
Property Address	78 CEDAR ST, WENHAM, MA 01984-1534
Document Number	040042-481
Book / Page	40042 / 481
Instrument Date	Jun 30, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
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	78 CEDAR ST, WENHAM, MA 01984-1534

Mortgage

Document Number	0040042483
Date	Jun 30, 2021
Instrument	40042/483

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WENHAM MA
Recording Date	Feb 8, 2021
Property Address	78 CEDAR ST, WENHAM, MA 01984-1534
Document Number	0039504-70
Book / Page	39504 / 70
Instrument Date	Feb 5, 2021
Instrument	20210208003580
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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
Address	171 N MAIN ST, MIDDLETON, MA 01949-1689

Mortgage

Document Number	210208003590
Date	Feb 8, 2021
Instrument	210208003590

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 78 Cedar St was $10,371, up 2.8% from the year before.

Source: Essex County and Wenham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Wenham Town
Unified School District	Hamilton-Wenham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,371.00 (+2.75%)	$648,600 (-0.14%) Land $364,700 Building $273,200	$679,441 (-7.83%)
2025	$10,093.00	$649,500 Land $364,700 Building $284,800	$737,200
2023	$10,840.00	$624,800 Land $453,700 Building $171,100

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

Flood

FEMA maps place 78 Cedar St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1979–1982)
Most Recent Claim	Jun 1982 · rainfall accumulation

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 78 Cedar St is low, with 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 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.

Drinking Water

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

Water System	WENHAM WATER DEPT. serves 3,942 people · EPA ID MA3320000
Water Source	Groundwater
Last State Inspection	Nov 2023
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	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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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