Essex County and Haverhill City property record for 2 Cottage Pl, Haverhill, MA 01835
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,002 sqft · built 1900 |
| Lot Size | 0.095 acres (4,125 sqft) |
| Owner | Individual Name on File |
| Last Sale | $455,000 (Jul 2026) |
| Tax Bill | $4,055 (2025) |
| Deeds & Mortgages | Jul 2026 Second Mortgage Jul 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 702-638-6A |
| Primary APN | 702-638-6A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,002 sqft Living Area |
| Gross Area | 1,640 sqft |
| Basement Area | 480 sqft |
| Unfinished Basement | 480 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 4,125 sqft (0.095 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 702-638-6A |
|---|---|
| Street Address | 2 COTTAGE PL |
| City | HAVERHILL |
| State | MA |
| Zip | 01835-7555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 638 |
| Legal Lot Number | 6A |
| Jurisdiction | HAVERHILL MA |
| Township / Civil Division | HAVERHILL |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 261000 |
2 Cottage Pl is owned and occupied by an individual who bought it in July 2026.
Source: Essex County and Haverhill City records, as of July 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2 COTTAGE PL, HAVERHILL, MA 01835-7555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOTAL MORTGAGE SERVICES |
| Jul 9, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES |
| Feb 8, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Aug 13, 2024 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Oct 14, 2020 | Quit Claim Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Dec 17, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 9, 2026 · Amount on File |
| Deed Sale | Jul 9, 2026 · Amount on File |
| Prior Sale | Oct 14, 2020 · Amount on File |
| Deed Document Number | 2026420 |
| Deed Book / Page | 43495 / 215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | Jul 9, 2026 |
| Property Address | 2 COTTAGE PL, HAVERHILL, MA 01835-7555 |
| Document Number | 0000000440 |
| Book / Page | 43495 / 236 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 2026440 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2 COTTAGE PL, HAVERHILL, MA 01835-7555 |
| Document Number | 0000000440, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 43495/236 |
| Instrument | 2026440 |
| Name | TOTAL MORTGAGE SERVICES |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | Jul 9, 2026 |
| Property Address | 2 COTTAGE PL, HAVERHILL, MA 01835-7555 |
| Document Number | 0000000420 |
| Book / Page | 43495 / 215 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 2026420 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 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 |
|---|---|
| Address | 2 COTTAGE PL, HAVERHILL, MA 01835-7555 |
| Date | Jul 9, 2026 |
|---|
| Name | TOTAL MORTGAGE SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 2 COTTAGE PL, HAVERHILL, MA 01835-7555 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 041431-189 |
|---|---|
| Date | Feb 8, 2023 |
| Book Page | 41431/189 |
| Instrument | 20230208002470 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 2 COTTAGE PL, HAVERHILL, MA 01835-7555 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0042269-66 |
|---|---|
| Date | Aug 13, 2024 |
| Book Page | 42269/66 |
| Instrument | 20240813002390 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | Oct 14, 2020 |
| Property Address | 2 COTTAGE PL, HAVERHILL, MA 01835-7555 |
| Document Number | 39054-150 |
| Book / Page | 39054 / 150 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 20201014004460 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 |
|---|---|
| Address | 2 COTTAGE PL, HAVERHILL, MA 01835-7555 |
| Document Number | 201014004470 |
|---|---|
| Date | Oct 14, 2020 |
| Instrument | 201014004470 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | Dec 17, 2019 |
| Property Address | 2 COTTAGE PL, HAVERHILL, MA 01835-7555 |
| Document Number | 38119-11 |
| Book / Page | 038119 / 000011 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 1217001230 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $433.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97 POWDER HOUSE AVE HAVERHILL MA 018306556, HAVERHILL, MA 01830-6556 |
The 2025 property tax bill for 2 Cottage Pl was $4,055, up 7.5% from the year before.
Source: Essex County and Haverhill City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Haverhill City |
| Unified School District | Haverhill School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,055.00 (+7.47%) | $378,600 (+6.77%) Land $162,200 Building $216,400 | $408,405 |
| 2024 | $3,773.00 (-2.48%) | $354,600 (+2.19%) Land $162,200 Building $192,400 | |
| 2023 | $3,869.00 | $347,000 Land $162,200 Building $184,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2 Cottage Pl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1984–2006) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | May 2006 · Severe Storms 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.
Wildfire risk around 2 Cottage Pl is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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 422 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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