12 Ober St, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 12 Ober St, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,071 sqft · built 1920
Lot Size	0.662 acres (28,819 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jan 1999)
Tax Bill	$10,505 (2025)
Deeds & Mortgages	May 2021 Refinance Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0012 B:0219 L` `3248`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,071 sqft Living Area
Gross Area	5,058 sqft
Basement Area	1,294 sqft
Unfinished Basement	1,294 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,819 sqft (0.662 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3248
Street Address	12 OBER ST
City	BEVERLY
State	MA
Zip	01915-4640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Subdivision	HUBERT M SNOW JR
Legal Block	219
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	1
Census Block	1013
Census Tract	217500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 OBER ST, BEVERLY, MA 01915-4640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST SB
Oct 29, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 1999 · Amount on Record
Deed Sale	Jan 15, 1999 · Amount on Record
Prior Sale	Dec 5, 1996 · Amount on Record
Deed Book / Page	15405 / 377
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	12 OBER ST, BEVERLY, MA 01915-4640
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39907-270
Date	May 24, 2021
Book Page	39907/270
Instrument	20210524000930

Lender

Name	FIRST SB

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	12 OBER ST, BEVERLY, MA 01915-4640
Document Number	37160-370
Instrument Date	Oct 29, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 OBER ST BEVERLY MA 019154640, BEVERLY, MA 01915-4640

Mortgage

Document Number	37160-370
Date	Nov 19, 2018
Book Page	037160/000370
Instrument	1119000240

Lender

Name	THIRD FED'L S&L ASSN

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$10,505.00 (+0.05%)	$955,900 (+2.24%) Land $476,100 Building $479,800	$1,159,380
2024	$10,500.00 (+1.55%)	$935,000 (+1.82%) Land $455,200 Building $479,800
2023	$10,340.00	$918,300 Land $438,500 Building $479,800

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (1978–2024)
Most Recent Claim	Jan 2024 · rainfall accumulation

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	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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