11 Cottage St, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 11 Cottage St, Marblehead, MA 01945

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,980 sqft · built 1895
Lot Size	0.08 acres (3,467 sqft)
Owner	Individual Name on Record
Last Sale	$705,000 (Nov 2022)
Tax Bill	$7,014 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0110 B:0023 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0110 B:0023 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,980 sqft Living Area
Gross Area	3,498 sqft
Basement Area	990 sqft
Unfinished Basement	990 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Flat
Roof Material	Other
Lot Area	3,467 sqft (0.08 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	11 COTTAGE ST
City	MARBLEHEAD
State	MA
Zip	01945-3027
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	BR
Legal Block	23
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	1
Census Block	1004
Census Tract	203200

Owner

Source: Essex County and Marblehead 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	Individual Name on Record
Mailing Address	11 COTTAGE ST, MARBLEHEAD, MA 01945-3027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2022 · Amount on Record
Deed Sale	Nov 16, 2022 · Amount on Record
Deed Document Number	20222720
Deed Book / Page	41305 / 271
Record Updated	Oct 29, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARBLEHEAD MA
Recording Date	Nov 16, 2022
Property Address	11 COTTAGE ST, MARBLEHEAD, MA 01945-3027
Document Number	041305-271
Book / Page	41305 / 271
Instrument Date	Nov 16, 2022
Instrument	20221116002720
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Amount	Amount Recorded
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	11 COTTAGE ST, MARBLEHEAD, MA 01945-3027

Mortgage

Document Number	221116002730
Date	Nov 16, 2022
Instrument	221116002730

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,014.00 (+4.11%)	$819,400 (+10.08%) Land $526,200 Building $293,200	$754,177
2025	$6,737.00 (+8.38%)	$744,400 (+7.29%) Land $493,400 Building $251,000
2024	$6,216.00 (+9.98%)	$693,800 (+22.75%) Land $537,200 Building $156,600
2023	$5,652.00	$565,200 Land $416,600 Building $148,600

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 Claims	56 (1978–2018)
Claims Outside the SFHA	6 of 56
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Winter Coastal Storm, Dec 1992 · 8 claims Coastal Storm, Oct 1991 · 16 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 9 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

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	MARBLEHEAD WATER DEPT. (MWRA) serves 20,441 people · EPA ID MA3168000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 759 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20