184 River St, Haverhill, MA 01832 Property Records

Essex County and Haverhill City property record for 184 River St, Haverhill, MA 01832

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,080 sqft · built 1900
Lot Size	0.161 acres (6,996 sqft)
Owner	2 Individual Names on File
Last Sale	$615,000 (Oct 2023)
Tax Bill	$5,840 (2025)
Deeds & Mortgages	Jun 2021 Refinance Aug 2025 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`501-227-19`

Property Details

APN / Parcel Number

Primary APN	`501-227-19`
Alternative APN	`HAVE M:0501 B:00227 L:19`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,080 sqft Living Area
Gross Area	4,660 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,996 sqft (0.161 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	501-227-19
Street Address	184 RIVER ST
City	HAVERHILL
State	MA
Zip	01832-5303
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	227
Legal Lot Number	19
Jurisdiction	HAVERHILL MA
Township / Civil Division	HAVERHILL
Census Block Group	2
Census Block	2018
Census Tract	260800

Owner

184 River St, a duplex, is owned and occupied by two individuals who bought it in October 2023.

Source: Essex County and Haverhill City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	184 RIVER ST, HAVERHILL, MA 01832-5303
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 27, 2025	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Oct 31, 2023	Quit Claim Deed, Transfer · FHA Mortgage NEW FED MORTGAGE CORP
Mar 26, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2023 · Amount on File
Deed Sale	Oct 31, 2023 · Amount on File
Prior Sale	Jan 2, 2004 · Amount on File
Deed Book / Page	41835 / 599
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	184 RIVER ST, HAVERHILL, MA 01832-5303
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040005-229
Date	Jun 22, 2021
Book Page	40005/229
Instrument	20210622004520

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	184 RIVER ST, HAVERHILL, MA 01832-5303
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042912-320
Date	Aug 27, 2025
Book Page	42912/320
Instrument	20250827000300

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	Oct 31, 2023
Property Address	184 RIVER ST, HAVERHILL, MA 01832-5303
Document Number	041835-599
Book / Page	41835 / 599
Instrument Date	Oct 31, 2023
Instrument	20231031002600
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	184 RIVER ST, HAVERHILL, MA 01832-5303
Investor	Possibly a Property Investor

Mortgage

Document Number	231031002610
Date	Oct 31, 2023
Instrument	231031002610

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	Mar 26, 2021
Property Address	184 RIVER ST, HAVERHILL, MA 01832-5303
Document Number	00039695-2
Book / Page	39695 / 2
Instrument Date	Mar 25, 2021
Instrument	20210326006370
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 RIVER ST, HAVERHILL, MA 01832-5303

Tax Assessment & Valuation

The 2025 property tax bill for 184 River St was $5,840, up 13.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,840.00 (+13.66%)	$545,300 (+12.92%) Land $138,400 Building $406,900	$645,026
2024	$5,138.00 (+3.11%)	$482,900 (+8.06%) Land $129,200 Building $353,700
2023	$4,983.00	$446,900 Land $129,200 Building $317,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 184 River St 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	15 units insured incl. 6 condo units
Nearby Flood Claims	18 (1978–2010)
Claims Outside the SFHA	6 of 18
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 6 claims Severe Storms And Flooding, May 2006 · 6 claims Severe Storms & Flooding, Apr 1987 · 3 claims

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

Wildfire risk around 184 River St 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 95% of the US · lower than 90% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HAVERHILL WATER DEPT serves 61,277 people · EPA ID MA3128000
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) 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 679 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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