20 Gerald Rd, Marblehead, MA 01945 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,536 sqft · built 1971
Lot Size	0.264 acres (11,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$865,000 (Jul 2008)
Tax Bill	$11,913 (2025)
Deeds & Mortgages	May 2021 Refinance Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0043 B:0016 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0043 B:0016 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,536 sqft Living Area
Gross Area	4,980 sqft
Basement Area	1,360 sqft
Unfinished Basement	544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,500 sqft (0.264 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	20 GERALD RD
City	MARBLEHEAD
State	MA
Zip	01945-2044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Subdivision	MARBLEHEAD
Legal Block	16
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	4
Census Block	4011
Census Tract	203100

Owner

Source: Essex County and Marblehead Town 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	2 Individual Names on Record
Mailing Address	20 GERALD RD, MARBLEHEAD, MA 01945-2044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Mar 21, 2017	Deed of Trust, Mortgage · ARM SALEM FIVE MTG CO
May 1, 2019	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2008 · Amount on Record
Deed Sale	Jul 17, 2008 · Amount on Record
Deed Book / Page	27922 / 450
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	20 GERALD RD, MARBLEHEAD, MA 01945-2044
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39903-504
Date	May 21, 2021
Book Page	39903/504
Instrument	20210521003860

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	20 GERALD RD, MARBLEHEAD, MA 01945-2044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35746-161
Date	Mar 21, 2017
Book Page	35746/161
Instrument	196

Lender

Name	SALEM FIVE MTG CO

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	20 GERALD RD, MARBLEHEAD, MA 01945-2044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37482-453
Date	May 1, 2019
Book Page	37482/453
Instrument	20190501004090

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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
2025	$11,913.00 (+1.64%)	$1,316,400 (+0.63%) Land $619,900 Building $696,500	$1,420,630
2024	$11,721.00 (+6.49%)	$1,308,100 (+18.84%) Land $633,700 Building $674,400
2023	$11,007.00	$1,100,700 Land $557,900 Building $542,800

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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	14 (1978–2013)
Claims Outside the SFHA	7 of 14
Most Recent Claim	Dec 2013 · river or lake flooding
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 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 445 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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