Essex County and Marblehead Town property record for 15 Cottage St, Marblehead, MA 01945
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,688 sqft · built 1770 |
| Lot Size | 0.148 acres (6,464 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $507,000 (Dec 2011) |
| Tax Bill | $9,145 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MARB M:0110 B:0021 L:0 |
| Primary APN | MARB M:0110 B:0021 L:0 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,688 sqft Living Area |
| Gross Area | 5,496 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1770 |
|---|---|
| Effective Year Built | Effective 1770 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,464 sqft (0.148 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Gravity Furnace |
| Heating Fuel | Gas |
| Street Address | 15 COTTAGE ST |
|---|---|
| City | MARBLEHEAD |
| State | MA |
| Zip | 01945-3027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BR |
| Legal Block | 21 |
| Jurisdiction | MARBLEHEAD MA |
| Township / Civil Division | MARBLEHEAD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 203200 |
15 Cottage St is owned and occupied by two individuals who bought it in December 2011.
Source: Essex County and Marblehead Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 29, 2019 | Deed of Trust, Mortgage CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2011 · Amount on File |
| Deed Sale | Dec 16, 2011 · Amount on File |
| Prior Sale | Mar 17, 2011 · Amount on File |
| Deed Book / Page | 30930 / 418 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Recording Date | Sep 28, 2026 |
| Property Address | 15 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Document Number | 0000003600 |
| Book / Page | 43654 / 323 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 20263600 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 15 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Document Number | 0000003600, |
|---|---|
| Date | Sep 28, 2026 |
| Book Page | 43654/323 |
| Instrument | 20263600 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 15 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 037297-542 |
|---|---|
| Date | Jan 29, 2019 |
| Book Page | 37297/542 |
| Instrument | 20190129001510 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 15 Cottage St was $9,145, up 7% from the year before.
Source: Essex County and Marblehead Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Marblehead Town |
| Unified School District | Marblehead School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,145.00 (+6.98%) | $1,068,300 (+13.11%) Land $576,600 Building $491,700 | $1,300,840 (+30.86%) |
| 2025 | $8,548.00 (-3.09%) | $944,500 (-4.06%) Land $540,600 Building $403,900 | $994,080 |
| 2024 | $8,821.00 (+12.76%) | $984,500 (+25.85%) Land $588,600 Building $395,900 | |
| 2023 | $7,823.00 | $782,300 Land $456,500 Building $325,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Cottage St in Zone X, an area of minimal flood risk, though there have been 56 flood claims nearby since 1978.
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 Claims | 56 (1978–2018) |
| Claims Outside the SFHA | 6 of 56 |
| Most Recent Claim | Mar 2018 · Severe Winter Storm And Flooding |
| Claims by Event |
|
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.
The area around 15 Cottage St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MARBLEHEAD WATER DEPT. (MWRA) serves 20,441 people · EPA ID MA3168000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Mar 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 | 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.
Source: FCC Broadband Data Collection, based on 759 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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