186 Lothrop St, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 186 Lothrop St, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,769 sqft · built 1890
Lot Size	0.242 acres (10,542 sqft)
Owner	Individual Name on Record
Last Sale	$900,000 (May 2025)
Tax Bill	$7,695 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit May 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0021 B:0148 L` `5011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,769 sqft Living Area
Gross Area	3,344 sqft
Basement Area	824 sqft
Unfinished Basement	824 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,542 sqft (0.242 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	5011
Street Address	186 LOTHROP ST
City	BEVERLY
State	MA
Zip	01915-3736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	148
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	2
Census Block	2001
Census Tract	217500

Owner

Source: Essex County and Beverly City records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	186 LOTHROP ST, BEVERLY, MA 01915-3736
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit TRIANGLE CREDIT UNION
May 2, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARVARD FEDERAL CREDIT UNION
Jan 24, 2024	Quit Claim Deed, Transfer Quitclaim
Oct 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2025 · Amount on Record
Deed Sale	May 2, 2025 · Amount on Record
Prior Sale	Jun 8, 2015 · Amount on Record
Deed Book / Page	42696 / 366
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	186 LOTHROP ST, BEVERLY, MA 01915-3736
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041630-137
Date	Jun 26, 2023
Book Page	41630/137
Instrument	20230626001660

Lender

Name	TRIANGLE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	May 2, 2025
Property Address	186 LOTHROP ST, BEVERLY, MA 01915-3736
Document Number	042696-366
Book / Page	42696 / 366
Instrument Date	May 2, 2025
Instrument	20250502002480
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	186 LOTHROP ST, BEVERLY, MA 01915-3736

Mortgage

Document Number	20250502002490
Date	May 2, 2025
Instrument	20250502002490

Lender

Name	HARVARD FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Jan 24, 2024
Property Address	186 LOTHROP ST, BEVERLY, MA 01915-3736
Document Number	041959-387
Book / Page	41959 / 387
Instrument Date	Dec 19, 2023
Instrument	20240124000870
Transaction Type	Transfer
Record Updated	Feb 9, 2024

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	186 LOTHROP ST, BEVERLY, MA 01915-3736

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	186 LOTHROP ST, BEVERLY, MA 01915-3736
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39100-393
Date	Oct 26, 2020
Book Page	39100/393
Instrument	20201026005260

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,695.00 (+6.56%)	$700,200 (+8.9%) Land $445,900 Building $254,300	$849,110
2024	$7,221.00 (+4.38%)	$643,000 (+4.65%) Land $388,700 Building $254,300
2023	$6,918.00	$614,400 Land $360,100 Building $254,300

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	27 (1978–2011)
Claims Outside the SFHA	7 of 27
Most Recent Claim	Oct 2011 · other causes
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 4 claims Winter Coastal Storm, Dec 1992 · 3 claims Coastal Storm, Oct 1991 · 4 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

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	BEVERLY WATER DEPT serves 47,461 people · EPA ID MA3030000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Nov 2025

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 506 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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