Essex County and Merrimac Town property record for 12 Middle St, Merrimac, MA 01860
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 1.5 ba · 1,580 sqft · built 1881 |
| Lot Size | 0.248 acres (10,815 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $284,000 (Mar 2019) |
| Tax Bill | $5,284 (2026) |
| Deeds & Mortgages | May 2021 Refinance Mar 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MERR M:0018 B:0001 L:006-1 |
| Primary APN | MERR M:0018 B:0001 L:006-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,580 sqft Living Area |
| Gross Area | 3,160 sqft |
| Basement Area | 790 sqft |
| Unfinished Basement | 790 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1881 |
|---|---|
| Effective Year Built | Effective 1881 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,815 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 12 MIDDLE ST |
|---|---|
| City | MERRIMAC |
| State | MA |
| Zip | 01860-1939 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | VR |
| Legal Subdivision | 12-14 MIDDLE STREET CONDO |
| Legal Block | 1 |
| Legal Lot Number | 6-1 |
| Jurisdiction | MERRIMAC MA |
| Township / Civil Division | MERRIMAC |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 262100 |
Source: Essex County and Merrimac 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12 MIDDLE ST, MERRIMAC, MA 01860-1939 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Mar 26, 2019 | Condominium Deed, Transfer · Conventional with PMI FIRST CHOICE LN SVCS |
| Sep 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LEND USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2019 · Amount on Record |
| Deed Sale | Mar 26, 2019 · Amount on Record |
| Prior Sale | Aug 26, 2011 · Amount on Record |
| Deed Document Number | 20192200 |
| Deed Book / Page | 37402 / 373 |
| Prior Transfer Date | Mar 2, 2019 |
| Prior Transfer Doc | 37402-373 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 12 MIDDLE ST, MERRIMAC, MA 01860-1939 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39913-120 |
|---|---|
| Date | May 25, 2021 |
| Book Page | 39913/120 |
| Instrument | 20210525001320 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Recording Date | Mar 26, 2019 |
| Property Address | 12 MIDDLE ST, MERRIMAC, MA 01860-1939 |
| Document Number | 37402-373 |
| Book / Page | 037402 / 000373 |
| Instrument Date | Mar 2, 2019 |
| Instrument | 1903262200 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.04 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 MIDDLE ST MERRIMAC MA 018601939, MERRIMAC, MA 01860-1939 |
| Document Number | 37402-375 |
|---|---|
| Date | Mar 26, 2019 |
| Book Page | 037402/000375 |
| Instrument | 1903262210 |
| Name | FIRST CHOICE LN SVCS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 12 MIDDLE ST, MERRIMAC, MA 01860-1939 |
| Document Number | 36188-455 |
| Book / Page | 036188 / 000455 |
| Instrument Date | Sep 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|
| Document Number | 36188-455 |
|---|---|
| Date | Sep 20, 2017 |
| Book Page | 036188/000455 |
| Instrument | 1709200151 |
| Name | LEND USA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 19, 2047 |
Source: Essex County and Merrimac Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Merrimac Town |
| Unified School District | Pentucket School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,284.00 (+9.85%) | $400,600 (+10.36%) Building $400,000 | $436,213 (+2.31%) |
| 2025 | $4,810.00 (+7.7%) | $363,000 (+9.73%) Building $363,000 | $426,360 |
| 2024 | $4,466.00 (-0.31%) | $330,800 (+9.07%) Building $330,800 | |
| 2023 | $4,480.00 | $303,300 Building $303,300 |
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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2026 · other causes |
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 | MERRIMAC WATER DEPARTMENT serves 6,988 people · EPA ID MA3180000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | 2 ppb (2025) 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 345 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures