10 Cliff St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 10 Cliff St, Salem, MA 01970

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,048 sqft · built 1900
Lot Size	0.067 acres (2,901 sqft)
Owner	2 Individual Names on File
Last Sale	$138,000 (Apr 1987)
Tax Bill	$7,078 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SALE M:33 L:0745`

Property Details

APN / Parcel Number

Primary APN	`SALE M:33 L:0745`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,048 sqft Living Area
Gross Area	2,438 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,901 sqft (0.067 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	10 CLIFF ST
City	SALEM
State	MA
Zip	01970-5414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	745
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	1
Census Block	1002
Census Tract	204101

Owner

10 Cliff St is owned and occupied by two individuals who bought it in April 1987.

Source: Essex County and Salem City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 CLIFF ST, SALEM, MA 01970-5414
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 28, 2026	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Jul 26, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 1987 · Amount on File
Deed Sale	Apr 29, 1987 · Amount on File
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Recording Date	Jul 28, 2026
Property Address	10 CLIFF ST, SALEM, MA 01970-5414
Document Number	0000001100
Book / Page	43532 / 363
Instrument Date	Jun 25, 2026
Instrument	20261100
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CLIFF ST, SALEM, MA 01970-5414

Mortgage

Document Number	0000001100,
Date	Jul 28, 2026
Book Page	43532/363
Instrument	20261100

Lender

Name	EASTERN BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Max Rate	-1%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Jul 26, 2017
Property Address	10 CLIFF ST, SALEM, MA 01970-5414
Document Number	36046-459
Book / Page	036046 / 000459
Instrument Date	Jul 24, 2017
Instrument	1707260103
Transaction Type	Transfer
Record Updated	Aug 15, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 CLIFF ST SALEM MA 019705414, SALEM, MA 01970-5414

Tax Assessment & Valuation

The 2026 property tax bill for 10 Cliff St was $7,078, up 5.2% from the year before.

Source: Essex County and Salem City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Salem City
Unified School District	Salem School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,078.00 (+5.16%)	$656,600 (+10.61%) Land $216,000 Building $440,600	$657,669 (-14.62%)
2025	$6,731.00 (+3.09%)	$593,600 (+5.64%) Land $194,400 Building $399,200	$770,260
2024	$6,529.00 (+3.24%)	$561,900 (+11.16%) Land $184,800 Building $377,100
2023	$6,324.00	$505,500 Land $170,600 Building $334,900

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

Flood

FEMA maps place 10 Cliff St 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
Flood Insurance Cost	Premium on File median of 10 individual policies
Nearby Flood Policies	16 units insured incl. 6 condo units
Nearby Flood Claims	10 (1979–2018)
Claims Outside the SFHA	2 of 10
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 4 claims

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 10 Cliff St 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	SALEM WATER DEPARTMENT serves 44,480 people · EPA ID MA3258000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Dec 2024

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 810 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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