98 Cedar St, Apt 28, Wakefield, MA 01880 Property Records

Middlesex County and Wakefield Town property record for 98 Cedar St, Apt 28, Wakefield, MA 01880

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 993 sqft · built 1975
Lot Size	2.42 acres (105,618 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Aug 2023)
Tax Bill	$4,498 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`22592`

Property Details

APN / Parcel Number

Primary APN	`22592`
Alternative APNs	`WAKE M:000012 B:0358 P:019128` `M:000012 B:0358 P:191=28`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	29 Units
Stories	2 Stories
Building Area	993 sqft Living Area
Gross Area	1,183 sqft
Basement Area	375 sqft
Unfinished Basement	150 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1983
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	105,618 sqft (2.42 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	22592
Street Address	98 CEDAR ST, 28
City	WAKEFIELD
State	MA
Zip	01880-2757
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	GR
Legal Subdivision	CEDAR GARDENS
Legal Block	358
Jurisdiction	WAKEFIELD MA
Township / Civil Division	WAKEFIELD
Census Block Group	5
Census Block	5013
Census Tract	335200

Owner

98 Cedar St, Apt 28 is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	98 CEDAR ST, 28, WAKEFIELD, MA 01880-2757
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
Aug 14, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SAVINGS BANK TRUST
Aug 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2023 · Amount on File
Deed Sale	Aug 14, 2023 · Amount on File
Prior Sale	Jun 11, 2001 · Amount on File
Deed Book / Page	81885 / 11
Record Updated	Sep 20, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKEFIELD MA
Recording Date	Aug 14, 2023
Property Address	98 CEDAR ST APT 28, 28, WAKEFIELD, MA 01880-2757
Document Number	0081885-11
Book / Page	81885 / 11
Instrument Date	Aug 14, 2023
Instrument	90894
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	98 CEDAR ST APT 28, 28, WAKEFIELD, MA 01880-2757

Mortgage

Document Number	0000090895
Date	Aug 14, 2023
Instrument	90895

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	98 CEDAR ST APT 28, 28, WAKEFIELD, MA 01880-2757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75455-36
Date	Aug 26, 2020
Book Page	75455/36
Instrument	146653

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 98 Cedar St, Apt 28 was $4,498, up 11% 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	$4,498.00 (+11.03%)	$396,300 (+10.05%) Building $396,300	$518,890 (+13.79%)
2024	$4,051.00 (-4.1%)	$360,100 (-) Building $360,100	$456,000
2023	$4,224.00	$360,100 Building $360,100

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

Flood

FEMA maps place 98 Cedar St, Apt 28 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1984)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1984 · tidal / storm surge

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

The area around 98 Cedar St, Apt 28 has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 596 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	980 / 880

May also be available: T-Mobile.

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