121 E Main St, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 121 E Main St, Merrimac, MA 01860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,046 sqft · built 1924
Lot Size	2.3 acres (100,188 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (May 2002)
Tax Bill	$9,010 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0052 B:0001 L:00012`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0052 B:0001 L:00012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,046 sqft Living Area
Gross Area	3,523 sqft
Basement Area	702 sqft
Unfinished Basement	702 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	100,188 sqft (2.3 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	121 E MAIN ST
City	MERRIMAC
State	MA
Zip	01860-1616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RH
Legal Block	1
Legal Lot Number	12
Jurisdiction	MERRIMAC MA
Township / Civil Division	MERRIMAC
Census Block Group	3
Census Block	3011
Census Tract	262100

Owner

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	121 E MAIN ST, MERRIMAC, MA 01860-1616
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage BANK OF AMERICA NA
Apr 23, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 12, 2017	Deed of Trust, Mortgage · Line of Credit JUSTICE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2002 · Amount on Record
Deed Sale	May 20, 2002 · Amount on Record
Deed Book / Page	18722 / 328
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	121 E MAIN ST, MERRIMAC, MA 01860-1616
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042999-83
Date	Oct 10, 2025
Book Page	42999/83
Instrument	20251010000350

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	121 E MAIN ST, MERRIMAC, MA 01860-1616
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042676-24
Date	Apr 23, 2025
Book Page	42676/24
Instrument	20250423000270

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	121 E MAIN ST, MERRIMAC, MA 01860-1616
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36011-456
Date	Jul 12, 2017
Book Page	36011/456
Instrument	47

Lender

Name	JUSTICE FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

Source: Essex County and Merrimac Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Merrimac Town
Unified School District	Pentucket School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,010.00 (+0.74%)	$683,100 (+1.2%) Land $394,000 Building $276,100	$663,689 (+23.74%)
2025	$8,944.00 (+2.18%)	$675,000 (+4.1%) Land $394,000 Building $281,000	$536,370
2024	$8,753.00 (+6.3%)	$648,400 (+16.3%) Land $372,100 Building $276,300
2023	$8,234.00	$557,500 Land $315,400 Building $242,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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