12 Cox Ct, #PHD, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 12 Cox Ct, #PHD, Beverly, MA 01915

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,178 sqft · built 1976
Lot Size	0.149 acres (6,507 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (May 2022)
Tax Bill	$4,774 (2025)
Deeds & Mortgages	May 2021 Refinance May 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12440`

Property Details

APN / Parcel Number

Primary APN	`12440`
Alternative APNs	`BEVE M:0004 B:0157 L:0PHD` `RMD`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Units	10 Units
Stories	2 Stories
Building Area	1,178 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Other
Exterior Material	Brick
Construction Type	Concrete
Roof Type	Flat
Roof Material	Other
Lot Area	6,507 sqft
Garage Type	Detached

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	12440
Street Address	12 COX CT, PHD
City	BEVERLY
State	MA
Zip	01915-4843
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMD
Legal Subdivision	HARBOR WATCH CONDO
Legal Block	157
Legal Lot Number	PHD
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	2
Census Block	2007
Census Tract	217402

Owner

12 Cox Ct, #PHD is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	12 COX CT, PHD, BEVERLY, MA 01915-4843
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
May 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
May 6, 2022	Condominium Deed, Transfer · Stand-Alone First Mortgage WILLIAM RAVEIS MORTGAGE CO
Jul 28, 2017	Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE
Dec 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Jul 12, 2018	Deed, Transfer LUXURY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on File
Deed Sale	May 6, 2022 · Amount on File
Prior Sale	Jul 12, 2018 · Amount on File
Deed Book / Page	40916 / 223
Transfer Doc	034239-352
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	12 COX CT # PHD, PHD, BEVERLY, MA 01915-4843
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039901-137
Date	May 21, 2021
Book Page	39901/137
Instrument	20210521000740

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	BEVERLY MA
Recording Date	May 6, 2022
Property Address	12 COX CT # PHD, PHD, BEVERLY, MA 01915-4843
Document Number	040916-223
Book / Page	40916 / 223
Instrument Date	May 6, 2022
Instrument	20220506001420
Transaction Type	Transfer
Record Updated	May 20, 2022

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	12 COX CT # PHD, PHD, BEVERLY, MA 01915-4843

Mortgage

Document Number	220506001430
Date	May 6, 2022
Instrument	220506001430

Lender

Name	WILLIAM RAVEIS MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	12 COX CT # PHD, PHD, BEVERLY, MA 01915-4843
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36054-83
Date	Jul 28, 2017
Book Page	36054/83
Instrument	201

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	12 COX CT # PHD, PHD, BEVERLY, MA 01915-4843
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38126-69
Date	Dec 18, 2019
Book Page	38126/69
Instrument	20191218003760

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BEVERLY MA
Recording Date	Jul 12, 2018
Property Address	12 COX CT # PHD, PHD, BEVERLY, MA 01915-4843
Document Number	36856-153
Book / Page	36856 / 153
Instrument	180712001190
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34.84
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 COX CT # PHD, PHD, BEVERLY, MA 01915-4843

Mortgage

Document Number	368560155
Date	Jul 12, 2018
Instrument	36856/0155

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12 Cox Ct, #PHD was $4,774, up 5.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,774.00 (+5.81%)	$434,400 (+8.11%) Building $434,400	$478,135
2024	$4,512.00 (+5.99%)	$401,800 (+6.27%) Building $401,800
2023	$4,257.00	$378,100 Building $378,100

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

Flood

FEMA maps place 12 Cox Ct, #PHD in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 12 Cox Ct, #PHD is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	BEVERLY WATER DEPT serves 47,461 people · EPA ID MA3030000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Nov 2025

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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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