20 Garden Rd, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 20 Garden Rd, Marblehead, MA 01945

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,562 sqft · built 1953
Lot Size	0.152 acres (6,630 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Dec 2018)
Tax Bill	$6,970 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0026 B:0037 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0026 B:0037 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,562 sqft Living Area
Gross Area	3,515 sqft
Basement Area	1,536 sqft
Unfinished Basement	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,630 sqft (0.152 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	20 GARDEN RD
City	MARBLEHEAD
State	MA
Zip	01945-2754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	37
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	3
Census Block	3003
Census Tract	203100

Owner

Source: Essex County and Marblehead 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	20 GARDEN RD, MARBLEHEAD, MA 01945-2754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 27, 2018	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2018 · Amount on Record
Deed Sale	Dec 27, 2018 · Amount on Record
Prior Sale	Oct 1, 2009 · Amount on Record
Prior Transfer Date	Dec 14, 2018
Prior Transfer Doc	598578
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	20 GARDEN RD, MARBLEHEAD, MA 01945-2754
Document Number	0000616156
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 GARDEN RD MARBLEHEAD MA 019452754, MARBLEHEAD, MA 01945-2754

Mortgage

Document Number	0000616156
Date	Sep 11, 2020
Instrument	616156

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	20 GARDEN RD, MARBLEHEAD, MA 01945-2754
Document Number	0000610122
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 GARDEN RD MARBLEHEAD MA 019452754, MARBLEHEAD, MA 01945-2754

Mortgage

Document Number	0000610122
Date	Feb 19, 2020
Instrument	610122

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	20 GARDEN RD, MARBLEHEAD, MA 01945-2754
Document Number	0000603308
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 GARDEN RD MARBLEHEAD MA 019452754, MARBLEHEAD, MA 01945-2754

Mortgage

Document Number	0000603308
Date	Jul 2, 2019
Instrument	603308

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARBLEHEAD MA
Recording Date	Dec 27, 2018
Property Address	20 GARDEN RD, MARBLEHEAD, MA 01945-2754
Document Number	0000598578
Instrument Date	Dec 14, 2018
Instrument	598578
Transaction Type	Transfer
Record Updated	Jan 16, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,690.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 GARDEN RD MARBLEHEAD MA 019452754, MARBLEHEAD, MA 01945-2754

Mortgage

Document Number	598579
Date	Dec 27, 2018
Instrument	598579

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2048

Tax Assessment & Valuation

Source: Essex County and Marblehead Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Marblehead Town
Unified School District	Marblehead School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,970.00 (-2.98%)	$814,300 (+2.58%) Land $543,200 Building $271,100	$875,822 (+6.52%)
2025	$7,184.00 (+10.71%)	$793,800 (+9.61%) Land $543,200 Building $250,600	$822,225
2024	$6,489.00 (-0.83%)	$724,200 (+10.68%) Land $555,200 Building $169,000
2023	$6,543.00	$654,300 Land $488,900 Building $165,400

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 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	17 (1978–2019)
Claims Outside the SFHA	1 of 17
Most Recent Claim	Jan 2019 · rainfall accumulation
Claims by Event	Winter Coastal Storm, Dec 1992 · 2 claims Coastal Storm, Oct 1991 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MARBLEHEAD WATER DEPT. (MWRA) serves 20,441 people · EPA ID MA3168000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 2024
Lead	2 ppb (2025) action level 15 ppb

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 317 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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