10 Francis Rd, Salem, MA 01970 Property Records

Essex County and Salem City property record for 10 Francis Rd, Salem, MA 01970

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,218 sqft · built 1960
Lot Size	0.121 acres (5,271 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Dec 2021)
Tax Bill	$6,196 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SALE M:25 L:0409`

Property Details

APN / Parcel Number

Primary APN	`SALE M:25 L:0409`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,218 sqft Living Area
Gross Area	2,367 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,271 sqft (0.121 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	10 FRANCIS RD
City	SALEM
State	MA
Zip	01970-2908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	PHILOMENA CALABRESE
Legal Lot Number	409
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	3
Census Block	3002
Census Tract	204701

Owner

10 Francis Rd is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	10 FRANCIS RD, SALEM, MA 01970-2908
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
Dec 10, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MASSACHUSETTS FAMILY CREDIT UNION
Jun 1, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2021 · Amount on File
Deed Sale	Dec 10, 2021 · Amount on File
Deed Document Number	2021860
Deed Book / Page	40562 / 472
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Dec 10, 2021
Property Address	10 FRANCIS RD, SALEM, MA 01970-2908
Document Number	040562-472
Book / Page	40562 / 472
Instrument Date	Dec 10, 2021
Instrument	20211210000860
Transaction Type	Transfer
Record Updated	Dec 24, 2021

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	10 FRANCIS RD, SALEM, MA 01970-2908

Mortgage

Document Number	211210000870
Date	Dec 10, 2021
Instrument	211210000870

Lender

Name	MASSACHUSETTS FAMILY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	10 FRANCIS RD, SALEM, MA 01970-2908
Transaction Type	Mortgage
Record Updated	Jun 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39932-547
Date	Jun 1, 2021
Book Page	39932/547
Instrument	20210601000490

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 10 Francis Rd was $6,196, up 5.8% 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	$6,196.00 (+5.81%)	$574,800 (+11.31%) Land $195,100 Building $379,700	$582,426 (+6.38%)
2025	$5,856.00 (+0.53%)	$516,400 (+3.01%) Land $169,300 Building $347,100	$547,485
2024	$5,825.00 (+3.54%)	$501,300 (+11.47%) Land $169,300 Building $332,000
2023	$5,626.00	$449,700 Land $154,900 Building $294,800

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

Flood

FEMA maps place 10 Francis Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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	14 units insured incl. 8 condo units
Nearby Flood Claims	5 (1979–2021)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jul 2021 · rainfall accumulation

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 Francis Rd 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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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