12 Cliff St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 12 Cliff St, Salem, MA 01970

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,805 sqft · built 1900
Lot Size	0.071 acres (3,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (Apr 2024)
Tax Bill	$6,923 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SALE M:33 L:0711`

Property Details

APN / Parcel Number

Primary APN	`SALE M:33 L:0711`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,805 sqft Living Area
Gross Area	3,057 sqft
Basement Area	915 sqft
Unfinished Basement	915 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,080 sqft (0.071 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 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	711
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	1
Census Block	1002
Census Tract	204101

Owner

Source: Essex County and Salem City 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	2 Individual Names on Record
Mailing Address	12 CLIFF ST, SALEM, MA 01970-5414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Apr 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Jul 26, 2019	Quit Claim Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Prior Sale	Jul 26, 2019 · Amount on Record
Deed Document Number	20243740
Deed Book / Page	42090 / 479
Record Updated	Oct 29, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Apr 29, 2024
Property Address	12 CLIFF ST, SALEM, MA 01970-5414
Document Number	042090-479
Book / Page	42090 / 479
Instrument Date	Apr 29, 2024
Instrument	20240429003740
Transaction Type	Transfer
Record Updated	May 17, 2024

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
Relationship	Tenants by the Entirety
Address	12 CLIFF ST, SALEM, MA 01970-5414

Mortgage

Document Number	240429003750
Date	Apr 29, 2024
Instrument	240429003750

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	12 CLIFF ST, SALEM, MA 01970-5414
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39787-7
Date	Apr 20, 2021
Book Page	39787/7
Instrument	20210420007570

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

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

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Jul 26, 2019
Property Address	12 CLIFF ST, SALEM, MA 01970-5414
Document Number	37699-86
Book / Page	037699 / 000086
Instrument Date	Jul 21, 2019
Instrument	1907262590
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,710.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 CLIFF ST SALEM MA 019705414, SALEM, MA 01970-5414

Mortgage

Document Number	37699-88
Date	Jul 26, 2019
Book Page	037699/000088
Instrument	1907262600

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

Tax Assessment & Valuation

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	$6,923.00 (+10.7%)	$642,200 (+16.45%) Land $217,100 Building $425,100	$720,832 (+12.24%)
2025	$6,254.00 (+3.3%)	$551,500 (+5.85%) Land $195,400 Building $356,100	$642,200
2024	$6,054.00 (+3.36%)	$521,000 (+11.28%) Land $185,600 Building $335,400
2023	$5,857.00	$468,200 Land $171,400 Building $296,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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