Essex County and Merrimac Town property record for 16 Middle St, #18, Merrimac, MA 01860
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,000 sqft · built 1984 |
| Lot Size | 0.231 acres (10,062 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $430,000 (May 2018) |
| Tax Bill | $7,806 (2026) |
| Deeds & Mortgages | Feb 2022 Refinance May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MERR M:0018 B:0001 L:00007 |
| Primary APN | MERR M:0018 B:0001 L:00007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,000 sqft Living Area |
| Gross Area | 3,200 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,062 sqft (0.231 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 16 MIDDLE ST, 18 |
|---|---|
| City | MERRIMAC |
| State | MA |
| Zip | 01860-1939 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | VR |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | MERRIMAC MA |
| Township / Civil Division | MERRIMAC |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 262100 |
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 | 16 MIDDLE ST, 18, MERRIMAC, MA 01860-1939 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 4, 2018 | Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2018 · Amount on Record |
| Deed Sale | May 4, 2018 · Amount on Record |
| Deed Book / Page | 36695 / 438 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 16 MIDDLE ST # 18, 18, MERRIMAC, MA 01860-1939 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040722-114 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | 40722/114 |
| Instrument | 20220214000490 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Recording Date | May 4, 2018 |
| Property Address | 16-18 MIDDLE ST, MERRIMAC, MA 01860 |
| Document Number | 36695-438 |
| Book / Page | 36695 / 438 |
| Instrument | 180504003440 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $53.16 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 16 MIDDLE ST # 18, 18, MERRIMAC, MA 01860-1939 |
| Investor | Possibly a Property Investor |
| Document Number | 366950441 |
|---|---|
| Date | May 4, 2018 |
| Instrument | 36695/0441 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 4, 2048 |
Source: Essex County and Merrimac Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Merrimac Town |
| Unified School District | Pentucket School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,806.00 (+2.55%) | $591,800 (+3.01%) Land $288,000 Building $303,800 | $632,319 |
| 2025 | $7,612.00 (+10.48%) | $574,500 (+12.56%) Land $288,000 Building $286,500 | |
| 2024 | $6,890.00 (-0.49%) | $510,400 (+8.87%) Land $272,000 Building $238,400 | |
| 2023 | $6,924.00 | $468,800 Land $230,400 Building $238,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2026 · other causes |
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.
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 | Indirect 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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