20 Western Ave, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 20 Western Ave, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,260 sqft · built 1952
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Apr 2003)
Tax Bill	$5,935 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jan 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0008 B:0154 L` `1629`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
Gross Area	2,352 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1629
Street Address	20 WESTERN AVE
City	BEVERLY
State	MA
Zip	01915-3938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	154
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	4
Census Block	4003
Census Tract	217202

Owner

20 Western Ave is owned and occupied by an individual who bought it in April 2003.

Source: Essex County and Beverly City records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	20 WESTERN AVE, BEVERLY, MA 01915-3938
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
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Jan 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
Dec 19, 2017	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2003 · Amount on File
Deed Sale	Apr 15, 2003 · Amount on File
Deed Book / Page	20597 / 18
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	20 WESTERN AVE, BEVERLY, MA 01915-3938
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040786-588
Date	Mar 14, 2022
Book Page	40786/588
Instrument	20220314001200

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	20 WESTERN AVE, BEVERLY, MA 01915-3938
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040650-425
Date	Jan 12, 2022
Book Page	40650/425
Instrument	20220112001980

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	20 WESTERN AVE, BEVERLY, MA 01915-3938
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36416-224
Date	Dec 19, 2017
Book Page	36416/224
Instrument	171219000090

Lender

Name	SANTANDER BANK NA

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20 Western Ave was $5,935, up 5.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,935.00 (+5.06%)	$540,000 (+7.36%) Land $362,600 Building $177,400	$566,675
2024	$5,649.00 (+4.34%)	$503,000 (+4.62%) Land $325,600 Building $177,400
2023	$5,414.00	$480,800 Land $303,400 Building $177,400

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

Flood

FEMA maps place 20 Western Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

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 File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	6 (1978–2014)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Feb 2014 · rainfall accumulation
Claims by Event	Coastal Storm, Oct 1991 · 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

Wildfire risk around 20 Western Ave is low, with less than 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 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	BEVERLY WATER DEPT serves 47,461 people · EPA ID MA3030000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Nov 2025

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 537 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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