20 Ridge Rd, Marblehead, MA 01945 Property Records

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

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 2,560 sqft · built 1952
Lot Size	0.298 acres (12,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jan 2015)
Tax Bill	$9,271 (2026)
Deeds & Mortgages	Apr 2019 Line of Credit Jul 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0101 B:0023 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0101 B:0023 L:0`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,560 sqft Living Area
Gross Area	5,093 sqft
Basement Area	1,380 sqft
Unfinished Basement	1,242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,998 sqft (0.298 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 RIDGE RD
City	MARBLEHEAD
State	MA
Zip	01945-2247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	23
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	3
Census Block	3005
Census Tract	203200

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 RIDGE RD, MARBLEHEAD, MA 01945-2247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2019	Deed of Trust, Mortgage · Line of Credit BELMONT SAVINGS BANK
Jul 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2015 · Amount on Record
Deed Sale	Jan 12, 2015 · Amount on Record
Deed Book / Page	33794 / 84
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	20 RIDGE RD, MARBLEHEAD, MA 01945-2247
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37421-574
Date	Apr 4, 2019
Book Page	37421/574
Instrument	20190404000160

Lender

Name	BELMONT SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2044

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	20 RIDGE RD, MARBLEHEAD, MA 01945-2247
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38680-145
Date	Jul 3, 2020
Book Page	38680/145
Instrument	20200703000250

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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	$9,271.00 (-5.76%)	$1,083,100 (-0.37%) Land $686,400 Building $396,700	$1,083,887 (+16.89%)
2025	$9,838.00 (-8.4%)	$1,087,100 (-9.31%) Land $729,300 Building $357,800	$927,295
2024	$10,740.00 (+28.01%)	$1,198,700 (+42.87%) Land $959,100 Building $239,600
2023	$8,390.00	$839,000 Land $579,100 Building $259,900

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	5 (1991–2007)
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	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 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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