20 Winthrop Ave, Beverly, MA 01915 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,205 sqft · built 1910
Lot Size	0.154 acres (6,721 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,500 (Apr 2017)
Tax Bill	$6,762 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Nov 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0010 B:0070 L` `2265`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,205 sqft Living Area
Gross Area	1,879 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,721 sqft (0.154 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2265
Street Address	20 WINTHROP AVE
City	BEVERLY
State	MA
Zip	01915-4140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	70
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	3
Census Block	3004
Census Tract	217202

Owner

Source: Essex County and Beverly City 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 WINTHROP AVE, BEVERLY, MA 01915-4140
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Nov 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Sep 11, 2019	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
May 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DISCOVER BANK
Apr 13, 2017	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2017 · Amount on Record
Deed Sale	Apr 13, 2017 · Amount on Record
Prior Sale	Sep 7, 2016 · Amount on Record
Deed Book / Page	35795 / 553
Transfer Doc	1098000534
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	20 WINTHROP AVE, BEVERLY, MA 01915-4140
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039957-71
Date	Jun 8, 2021
Book Page	39957/71
Instrument	20210608000440

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2046

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	20 WINTHROP AVE, BEVERLY, MA 01915-4140
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040476-97
Date	Nov 12, 2021
Book Page	40476/97
Instrument	20211112001300

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	20 WINTHROP AVE, BEVERLY, MA 01915-4140
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40476-97
Date	Nov 12, 2021
Book Page	40476/97
Instrument	20211112001300

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	20 WINTHROP AVE, BEVERLY, MA 01915-4140
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37831-230
Date	Sep 11, 2019
Book Page	37831/230
Instrument	20190911000820

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	20 WINTHROP AVE, BEVERLY, MA 01915-4140
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38537-378
Date	May 21, 2020
Book Page	38537/378
Instrument	20200521000570

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

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

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Apr 13, 2017
Property Address	20 WINTHROP AVE, BEVERLY, MA 01915-4140
Document Number	35795-553
Book / Page	035795 / 000553
Instrument Date	Apr 13, 2017
Instrument	1704130322
Transaction Type	Transfer
Record Updated	May 2, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,958.00
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 WINTHROP AVE BEVERLY MA 019154140, BEVERLY, MA 01915-4140

Mortgage

Document Number	35795-555
Date	Apr 13, 2017
Book Page	035795/000555
Instrument	1704130323

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2047

Tax Assessment & Valuation

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	$6,762.00 (+4.19%)	$615,300 (+6.47%) Land $366,000 Building $249,300	$636,025
2024	$6,490.00 (+3.76%)	$577,900 (+4.03%) Land $328,600 Building $249,300
2023	$6,255.00	$555,500 Land $306,200 Building $249,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	5 (1978–2019)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jun 2019 · other causes
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	Low lower than 97% of the US · lower than 94% 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 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile, Verizon.

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