98 Cedar St, Apt 6, Wakefield, MA 01880 Property Records

Middlesex County and Wakefield Town property record for 98 Cedar St, Apt 6, Wakefield, MA 01880

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 975 sqft · built 1975
Lot Size	1.1 acres (48,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Jul 2018)
Tax Bill	$4,928 (2025)
Deeds & Mortgages	Jan 2021 Refinance Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22120`

Property Details

APN / Parcel Number

Primary APN	`22120`
Alternative APNs	`WAKE M:000012 B:0358 P:001916` `M:000012 B:0358 P:0191=6`

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	975 sqft Living Area
Gross Area	1,125 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	48,276 sqft (1.1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	22120
Street Address	98 CEDAR ST, 6
City	WAKEFIELD
State	MA
Zip	01880-2757
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	GR
Legal Subdivision	CEDAR GARDENS CONDO
Legal Block	358
Jurisdiction	WAKEFIELD MA
Township / Civil Division	WAKEFIELD
Census Block Group	5
Census Block	5013
Census Tract	335200

Owner

Source: Middlesex County and Wakefield 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	98 CEDAR ST, 6, WAKEFIELD, MA 01880-2757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Oct 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Jul 20, 2018	Condominium Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2018 · Amount on Record
Deed Sale	Jul 20, 2018 · Amount on Record
Prior Sale	Oct 24, 2014 · Amount on Record
Deed Document Number	2018109478
Deed Book / Page	71353 / 45
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	98 CEDAR ST APT 6, 6, WAKEFIELD, MA 01880-2757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76745-440
Date	Jan 21, 2021
Book Page	76745/440
Instrument	14075

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKEFIELD MA
Property Address	98 CEDAR ST APT 6, 6, WAKEFIELD, MA 01880-2757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73496-305
Date	Oct 22, 2019
Book Page	73496/305
Instrument	162368

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	WAKEFIELD MA
Recording Date	Jul 20, 2018
Property Address	98 CEDAR ST APT 6, 6, WAKEFIELD, MA 01880-2757
Document Number	71353-45
Book / Page	071353 / 000045
Instrument Date	Jul 16, 2018
Instrument	109478
Transaction Type	Transfer
Record Updated	Aug 13, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,641.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	98 CEDAR ST #6 WAKEFIELD MA 018802757, 6, WAKEFIELD, MA 01880-2757

Mortgage

Document Number	71353-48
Date	Jul 20, 2018
Book Page	071353/000048
Instrument	109479

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2048

Tax Assessment & Valuation

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	$4,928.00 (+11.02%)	$434,200 (+10.04%) Building $434,200	$485,260 (+5.8%)
2024	$4,439.00 (-4.1%)	$394,600 (-) Building $394,600	$458,660
2023	$4,629.00	$394,600 Building $394,600

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 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

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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