1 Pine Bluff Ave, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 1 Pine Bluff Ave, Merrimac, MA 01860

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,922 sqft · built 1906
Lot Size	0.048 acres (2,073 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Jul 2023)
Tax Bill	$5,053 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0093 B:0001 L:00044`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0093 B:0001 L:00044`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,922 sqft Living Area
Gross Area	3,198 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,073 sqft (0.048 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1 PINE BLUFF AVE
City	MERRIMAC
State	MA
Zip	01860-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LA
Legal Block	1
Legal Lot Number	44
Jurisdiction	MERRIMAC MA
Township / Civil Division	MERRIMAC
Census Block Group	3
Census Block	3006
Census Tract	262100

Owner

1 Pine Bluff Ave is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1 PINE BLUFF AVE, MERRIMAC, MA 01860-1628
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
Jul 10, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SHAMROCK HOME LOANS
Jul 10, 2019	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Dec 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2023 · Amount on File
Deed Sale	Jul 10, 2023 · Amount on File
Prior Sale	Nov 2, 2005 · Amount on File
Deed Document Number	2023610
Deed Book / Page	41652 / 505
Prior Transfer Date	Jul 7, 2023
Prior Transfer Doc	041652-505
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERRIMAC MA
Recording Date	Jul 10, 2023
Property Address	1 PINE BLUFF AVE, MERRIMAC, MA 01860-1628
Document Number	041652-505
Book / Page	41652 / 505
Instrument Date	Jul 7, 2023
Instrument	20230710000610
Transaction Type	Transfer
Record Updated	Jul 28, 2023

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	1 PINE BLUFF AVE, MERRIMAC, MA 01860-1628

Mortgage

Document Number	230710000620
Date	Jul 10, 2023
Instrument	230710000620

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	1 PINE BLUFF AVE, MERRIMAC, MA 01860-1628
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37652-21
Date	Jul 10, 2019
Book Page	37652/21
Instrument	20190710000020

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	1 PINE BLUFF AVE, MERRIMAC, MA 01860-1628
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39299-336
Date	Dec 15, 2020
Book Page	39299/336
Instrument	20201215005630

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 1 Pine Bluff Ave was $5,053, up 1.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,053.00 (+1.67%)	$383,100 (+2.13%) Land $163,300 Building $218,900	$565,566 (+26.13%)
2025	$4,970.00 (+1.53%)	$375,100 (+3.45%) Land $163,300 Building $211,800	$448,400
2024	$4,895.00 (+6.46%)	$362,600 (+16.48%) Land $147,800 Building $214,800
2023	$4,598.00	$311,300 Land $133,800 Building $177,500

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

Flood

FEMA maps place 1 Pine Bluff Ave in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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

Wildfire risk around 1 Pine Bluff Ave is low, with less than 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	MERRIMAC WATER DEPARTMENT serves 6,988 people · EPA ID MA3180000
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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