12 Guernsey St, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 12 Guernsey St, Marblehead, MA 01945 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,485 sqft · built 1880
Lot Size	0.126 acres (5,502 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Jun 2015)
Tax Bill	$10,223 (2025)
Deeds & Mortgages	May 2023 Refinance Mar 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0128 B:0023 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0128 B:0023 L:0`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	2,485 sqft Living Area
Gross Area	4,019 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,502 sqft (0.126 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 GUERNSEY ST
City	MARBLEHEAD
State	MA
Zip	01945-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	23
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	2
Census Block	2025
Census Tract	203301

Owner

Source: Essex County and Marblehead Town records · APN MARB M:0128 B:0023 L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	12 GUERNSEY ST, MARBLEHEAD, MA 01945-2410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 01, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB
Mar 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 05, 2015 · Amount on Record
Deed Sale	Jun 05, 2015 · Amount on Record
Prior Sale	Nov 30, 2004
Deed Book / Page	34110 / 289
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	12 GUERNSEY ST, MARBLEHEAD, MA 01945-2410
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041543-225
Date	May 01, 2023
Book Page	41543/225
Instrument	20230501000460

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	12 GUERNSEY ST, MARBLEHEAD, MA 01945-2410
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38340-579
Date	Mar 17, 2020
Book Page	38340/579
Instrument	20200317001250

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: Essex County and Marblehead Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,223.00 (+4.13%)	$1,129,600 (+3.08%) Land $525,400 Building $604,200	$1,279,555
2024	$9,818.00 (+0.9%)	$1,095,800 (+12.62%) Land $502,000 Building $593,800
2023	$9,730.00	$973,000 Land $478,700 Building $494,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092033012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 759 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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