20 Phelps St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 20 Phelps St, Salem, MA 01970

Property Summary

Property Type	Duplex
Details	6 bd · 3.5 ba · 2,826 sqft · built 1920
Lot Size	0.071 acres (3,101 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Oct 2020)
Tax Bill	$9,145 (2026)
Deeds & Mortgages	May 2026 Mortgage Mar 2024 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SALE M:25 L:0334`

Property Details

APN / Parcel Number

Primary APN	`SALE M:25 L:0334`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,826 sqft Living Area
Gross Area	4,734 sqft
Basement Area	1,137 sqft
Unfinished Basement	1,137 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	3,101 sqft (0.071 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 PHELPS ST
City	SALEM
State	MA
Zip	01970-3064
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	B1
Legal Lot Number	334
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	5
Census Block	5011
Census Tract	204200

Owner

20 Phelps St, a duplex, is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	20 PHELPS ST, SALEM, MA 01970-3064
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
May 22, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 13, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Oct 14, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRST SB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2020 · Amount on File
Deed Sale	Oct 14, 2020 · Amount on File
Prior Sale	Apr 21, 1995 · Amount on File
Deed Book / Page	39052 / 528
Prior Transfer Date	Oct 6, 2020
Prior Transfer Doc	3905000528
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Recording Date	May 22, 2026
Property Address	20 PHELPS ST, SALEM, MA 01970-3064
Document Number	0043401-21
Book / Page	43401 / 21
Instrument Date	May 18, 2026
Instrument	2026490
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PHELPS ST, SALEM, MA 01970-3064
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000490,
Date	May 22, 2026
Book Page	43401/21
Instrument	2026490

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	20 PHELPS ST, SALEM, MA 01970-3064
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042021-66
Date	Mar 13, 2024
Book Page	42021/66
Instrument	20240313000400

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Oct 14, 2020
Property Address	20 PHELPS ST, SALEM, MA 01970-3064
Document Number	39052-528
Book / Page	39052 / 528
Instrument Date	Oct 6, 2020
Instrument	20201014003050
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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
Address	20 PHELPS ST # 2, 2, SALEM, MA 01970-3064

Mortgage

Document Number	201014003060
Date	Oct 14, 2020
Instrument	201014003060

Lender

Name	FIRST SB

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 20 Phelps St was $9,145, up 4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,145.00 (+4.04%)	$848,300 (+9.44%) Land $217,200 Building $631,100	$890,737
2025	$8,790.00 (+5.93%)	$775,100 (+8.54%) Land $195,500 Building $579,600
2024	$8,298.00 (+2.39%)	$714,100 (+10.23%) Land $185,700 Building $528,400
2023	$8,104.00	$647,800 Land $171,500 Building $476,300

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

Flood

FEMA maps place 20 Phelps St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 20 Phelps St has no burnable land within ember reach, so its wildfire risk is not rated.

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	SALEM WATER DEPARTMENT serves 44,480 people · EPA ID MA3258000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Dec 2024

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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