Essex County and Danvers Town property record for 16 Congress Ave, Danvers, MA 01923
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,432 sqft · built 2021 |
| Lot Size | 0.496 acres (21,601 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $835,000 (Nov 2021) |
| Tax Bill | $9,767 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit May 2021 Refinance + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | DANV M:053 L:045 P |
| Primary APN | DANV M:053 L:045 P |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,432 sqft Living Area |
| Gross Area | 4,291 sqft |
| Basement Area | 928 sqft |
| Unfinished Basement | 928 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,601 sqft (0.496 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 16 CONGRESS AVE |
|---|---|
| City | DANVERS |
| State | MA |
| Zip | 01923-3804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Lot Number | 45 |
| Jurisdiction | DANVERS MA |
| Township / Civil Division | DANVERS |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 211100 |
16 Congress Ave is owned and occupied by two individuals who bought it in November 2021.
Source: Essex County and Danvers Town records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 CONGRESS AVE, DANVERS, MA 01923-3804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 8, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE BANK |
| Aug 26, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 5, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTY HOME MORTGAGE |
| Jun 2, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2021 · Amount on File |
| Deed Sale | Nov 5, 2021 · Amount on File |
| Prior Sale | Jun 2, 2020 · Amount on File |
| Deed Book / Page | 40456 / 592 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANVERS MA |
| Recording Date | Sep 8, 2026 |
| Property Address | 16 CONGRESS AVE, DANVERS, MA 01923-3804 |
| Document Number | 0000001920 |
| Book / Page | 43615 / 503 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 20261920 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 CONGRESS AVE, DANVERS, MA 01923-3804 |
| Document Number | 0000001920, |
|---|---|
| Date | Sep 8, 2026 |
| Book Page | 43615/503 |
| Instrument | 20261920 |
| 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 | DANVERS MA |
| Property Address | 16 CONGRESS AVE, DANVERS, MA 01923-3804 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039905-610 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 39905/610 |
| Instrument | 20210521006480 |
| Name | NORTH SHORE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANVERS MA |
| Property Address | 16 CONGRESS AVE, DANVERS, MA 01923-3804 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041154-380 |
|---|---|
| Date | Aug 26, 2022 |
| Book Page | 41154/380 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DANVERS MA |
| Recording Date | Nov 5, 2021 |
| Property Address | 16 CONGRESS AVE, DANVERS, MA 01923-3804 |
| Document Number | 040456-592 |
| Book / Page | 40456 / 592 |
| Instrument Date | Nov 5, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 16 CONGRESS AVE, DANVERS, MA 01923-3804 |
| Document Number | 0040456594 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 40456/594 |
| Name | GUARANTY HOME MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DANVERS MA |
| Recording Date | Jun 2, 2020 |
| Property Address | 16 CONGRESS AVE, DANVERS, MA 01923-3804 |
| Document Number | 38575-550 |
| Book / Page | 038575 / 000550 |
| Instrument Date | Jun 2, 2020 |
| Instrument | 2004570 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $36.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 34 WALNUT ST PEABODY MA 01960, PEABODY, MA 01960 |
The 2025 property tax bill for 16 Congress Ave was $9,767, up 1.3% from the year before.
Source: Essex County and Danvers Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Danvers Town |
| Unified School District | Danvers School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,767.00 (+1.3%) | $888,700 (+2.4%) Land $385,500 Building $503,200 | $1,050,035 |
| 2024 | $9,642.00 (+4.46%) | $867,900 (+10.49%) Land $385,500 Building $482,400 | |
| 2023 | $9,230.00 | $785,500 Land $350,300 Building $435,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Congress Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 29 individual policies |
| Nearby Flood Policies | 40 units insured incl. 11 condo units |
| Nearby Flood Claims | 3 (2010–2018) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jan 2018 · river or lake flooding |
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 risk around 16 Congress Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DANVERS WATER DEPT. serves 28,087 people · EPA ID MA3071000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2025 |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 233 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 |
| Starlink Satellite | 280 / 30 |
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