108 Cedar St, Haverhill, MA 01830 Property Records

Essex County and Haverhill City property record for 108 Cedar St, Haverhill, MA 01830

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,098 sqft · built 1890
Lot Size	0.099 acres (4,330 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,104 (2025)
Deeds & Mortgages	May 2025 Line of Credit Nov 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`604-476-8`

Property Details

APN / Parcel Number

Primary APN	`604-476-8`
Alternative APN	`HAVE M:0604 B:00476 L:8`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,098 sqft Living Area
Gross Area	1,880 sqft
Basement Area	590 sqft
Unfinished Basement	590 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,330 sqft (0.099 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	604-476-8
Street Address	108 CEDAR ST
City	HAVERHILL
State	MA
Zip	01830-3924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	476
Legal Lot Number	8
Jurisdiction	HAVERHILL MA
Township / Civil Division	HAVERHILL
Census Block Group	3
Census Block	3003
Census Tract	260600

Owner

Source: Essex County and Haverhill City 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	108 CEDAR ST, HAVERHILL, MA 01830-3924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2025	Deed of Trust, Mortgage · Line of Credit NESC FEDERAL CREDIT UNION
Nov 13, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HAVERHILL, CITY OF
Aug 9, 2022	Deed of Trust, Mortgage · Line of Credit NESC FEDERAL CREDIT UNION
Mar 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MV REALTY OF MA LLC
Feb 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NESC FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	108 CEDAR ST, HAVERHILL, MA 01830-3924
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042699-438
Date	May 6, 2025
Book Page	42699/438
Instrument	20250506001020

Lender

Name	NESC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	108 CEDAR ST, HAVERHILL, MA 01830-3924
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041856-338
Date	Nov 13, 2023
Book Page	41856/338
Instrument	20231113002630

Lender

Name	HAVERHILL, CITY OF

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	108 CEDAR ST, HAVERHILL, MA 01830-3924
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041119-321
Date	Aug 9, 2022
Book Page	41119/321
Instrument	20220809001330

Lender

Name	NESC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	108 CEDAR ST, HAVERHILL, MA 01830-3924
Transaction Type	Mortgage
Record Updated	Mar 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040780-593
Date	Mar 10, 2022
Book Page	40780/593
Instrument	20220310001070

Lender

Name	MV REALTY OF MA LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	108 CEDAR ST, HAVERHILL, MA 01830-3924
Transaction Type	Mortgage
Record Updated	Feb 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39509-337
Date	Feb 9, 2021
Book Page	39509/337
Instrument	20210209003170

Lender

Name	NESC FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,104.00 (+9.03%)	$383,200 (+8.31%) Land $141,700 Building $241,500	$399,095
2024	$3,764.00 (+4.44%)	$353,800 (+9.47%) Land $140,200 Building $213,600
2023	$3,604.00	$323,200 Land $128,300 Building $194,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% 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	HAVERHILL WATER DEPT serves 61,277 people · EPA ID MA3128000
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) 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 601 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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