98 Elm St, Georgetown, MA 01833 Property Records

Essex County and Georgetown Town property record for 98 Elm St, Georgetown, MA 01833

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,685 sqft · built 1810
Lot Size	0.725 acres (31,601 sqft)
Owner	2 Individual Names on Record
Last Sale	$372,000 (Sep 2015)
Tax Bill	$8,706 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GEOR M:0010A B:00000 L:00039`

Property Details

APN / Parcel Number

Primary APN	`GEOR M:0010A B:00000 L:00039`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,685 sqft Living Area
Gross Area	2,974 sqft
Basement Area	944 sqft
Unfinished Basement	944 sqft

Exterior

Year Built	Built 1810
Effective Year Built	Effective 1810
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,601 sqft (0.725 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	98 ELM ST
City	GEORGETOWN
State	MA
Zip	01833-2517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	39
Jurisdiction	GEORGETOWN MA
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2011
Census Tract	265101

Owner

Source: Essex County and Georgetown 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	98 ELM ST, GEORGETOWN, MA 01833-2517
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Deed of Trust, Mortgage · Line of Credit WEBSTER BANK
Feb 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2015 · Amount on Record
Deed Sale	Sep 14, 2015 · Amount on Record
Prior Sale	Apr 28, 2004 · Amount on Record
Deed Book / Page	34372 / 72
Last Transfer Date	Jul 9, 2025
Transfer Doc	042821-340
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	98 ELM ST, GEORGETOWN, MA 01833-2517
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043103-273
Date	Dec 2, 2025
Book Page	43103/273
Instrument	20251202002660

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	98 ELM ST, GEORGETOWN, MA 01833-2517
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38283-126
Date	Feb 24, 2020
Book Page	38283/126
Instrument	20200224004200

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,706.00 (+24.41%)	$632,700 (-) Land $302,200 Building $330,500	$703,325 (+40.59%)
2025	$6,998.00 (+6.99%)	$632,700 (+21.39%) Land $302,200 Building $330,500	$500,270
2024	$6,541.00 (-2.53%)	$521,200 (+0.81%) Land $208,400 Building $312,800
2023	$6,711.00	$517,000 Land $208,400 Building $308,600

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 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	3 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	0.02% 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	GEORGETOWN WATER DEPARTMENT serves 8,766 people · EPA ID MA3105000
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Jul 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 39 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

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures