12 Ray St, Peabody, MA 01960 Property Records

Essex County and Peabody City property record for 12 Ray St, Peabody, MA 01960

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,170 sqft · built 1950
Lot Size	0.11 acres (4,787 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Mar 2008)
Tax Bill	$4,865 (2026)
Deeds & Mortgages	Oct 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`PEAB M:0074 B:0152`

Property Details

APN / Parcel Number

Primary APN	`PEAB M:0074 B:0152`
Alternative APN	`9012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	4,787 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9012
Street Address	12 RAY ST
City	PEABODY
State	MA
Zip	01960-4229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Block	152
Jurisdiction	PEABODY MA
Township / Civil Division	PEABODY
Census Block Group	1
Census Block	1007
Census Tract	210402

Owner

Source: Essex County and Peabody City 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	Individual Name on Record
Mailing Address	12 RAY ST, PEABODY, MA 01960-4229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2008 · Amount on Record
Deed Sale	Mar 26, 2008 · Amount on Record
Deed Book / Page	27641 / 4
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEABODY MA
Property Address	12 RAY ST, PEABODY, MA 01960-4229
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40411-215
Date	Oct 26, 2021
Book Page	40411/215
Instrument	20211026003040

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,865.00 (+7.25%)	$513,700 (+4.86%) Land $235,900 Building $277,800	$570,639 (+37.17%)
2025	$4,536.00 (+11.78%)	$489,900 (+10.09%) Land $218,400 Building $271,500	$416,005
2024	$4,058.00 (-0.66%)	$445,000 (+3.71%) Land $218,400 Building $226,600
2023	$4,085.00	$429,100 Land $195,000 Building $234,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2011 · 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	Not rated no burnable land within 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	PEABODY WATER DEPT. serves 54,481 people · EPA ID MA3229000
Water Source	Surface water
Last State Inspection	May 2026
Lead	4 ppb (2025) action level 15 ppb

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20