Essex County and Haverhill City property record for 12 Harding Ave, Haverhill, MA 01835
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,400 sqft · built 1900 |
| Lot Size | 0.128 acres (5,589 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $114,900 (Nov 1991) |
| Tax Bill | $5,086 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Sep 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 748-2-4 |
| Primary APN | 748-2-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,400 sqft Living Area |
| Gross Area | 2,500 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,589 sqft (0.128 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 748-2-4 |
|---|---|
| Street Address | 12 HARDING AVE |
| City | HAVERHILL |
| State | MA |
| Zip | 01835-7917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | HAVERHILL MA |
| Township / Civil Division | HAVERHILL |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 261101 |
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 | 12 HARDING AVE, HAVERHILL, MA 01835-7917 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 22, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 8, 2017 | Deed of Trust, Mortgage ENTERPRISE BANK & TRUST CO |
| Sep 8, 2017 | Deed of Trust, Mortgage ENTERPRISE BANK & TRUST CO |
| Jul 31, 2017 | Deed of Trust, Mortgage ENTERPRISE BANK & TRUST CO |
| May 9, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 1991 · Amount on Record |
| Deed Sale | Nov 27, 1991 · Amount on Record |
| Deed Book / Page | 11032 / 426 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 12 HARDING AVE, HAVERHILL, MA 01835-7917 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 040598-225 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 40598/225 |
| Instrument | 20211222000700 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Jan 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 12 HARDING AVE, HAVERHILL, MA 01835-7917 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36161-312 |
|---|---|
| Date | Sep 8, 2017 |
| Book Page | 36161/312 |
| Instrument | 7 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 12 HARDING AVE, HAVERHILL, MA 01835-7917 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36161-300 |
|---|---|
| Date | Sep 8, 2017 |
| Book Page | 36161/300 |
| Instrument | 6 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 12 HARDING AVE, HAVERHILL, MA 01835-7917 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36060-366 |
|---|---|
| Date | Jul 31, 2017 |
| Book Page | 36060/366 |
| Instrument | 198 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jul 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 12 HARDING AVE, HAVERHILL, MA 01835-7917 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36705-3 |
|---|---|
| Date | May 9, 2018 |
| Book Page | 36705/3 |
| Instrument | 180509002040 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Essex County and Haverhill City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Haverhill City |
| Unified School District | Haverhill School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,086.00 (+8.33%) | $474,900 (+7.61%) Land $181,600 Building $293,300 | $460,180 |
| 2024 | $4,695.00 (+3.21%) | $441,300 (+8.16%) Land $181,600 Building $259,700 | |
| 2023 | $4,549.00 | $408,000 Land $171,000 Building $237,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1996–2006) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2006 · Severe Storms And Flooding |
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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 422 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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