21 Bow St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 21 Bow St, Salem, MA 01970

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,155 sqft · built 1890
Lot Size	0.176 acres (7,675 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Nov 2014)
Tax Bill	$6,718 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SALE M:16 L:0031`

Property Details

APN / Parcel Number

Primary APN	`SALE M:16 L:0031`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,155 sqft Living Area
Gross Area	2,264 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,675 sqft (0.176 acres)
Garage Type	Detached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	21 BOW ST
City	SALEM
State	MA
Zip	01970-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	31
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2003
Census Tract	204702

Owner

21 Bow St is owned and occupied by two individuals who acquired it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 BOW ST, SALEM, MA 01970-1113
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
Feb 16, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Mar 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 7, 2019	Quit Claim Deed, Transfer · FHA Mortgage SALEM FIVE MORTGAGE CORP
Jan 11, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2014 · Amount on File
Deed Sale	Nov 21, 2014 · Amount on File
Prior Sale	Jun 14, 2007 · Amount on File
Deed Book / Page	33685 / 561
Last Transfer Date	Dec 31, 2018
Transfer Doc	37260-460
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	21 BOW ST, SALEM, MA 01970-1113
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039531-170
Date	Feb 16, 2021
Book Page	39531/170
Instrument	20210216002630

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	21 BOW ST, SALEM, MA 01970-1113
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040668-507
Date	Jan 20, 2022
Book Page	40668/507
Instrument	20220120001690

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	21 BOW ST, SALEM, MA 01970-1113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38309-253
Date	Mar 4, 2020
Book Page	38309/253
Instrument	20200304001300

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Jan 7, 2019
Property Address	21 BOW ST, SALEM, MA 01970-1113
Document Number	37260-460
Book / Page	37260 / 460
Instrument Date	Dec 31, 2018
Instrument	20190107001480
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 BOW ST, SALEM, MA 01970-1113

Mortgage

Document Number	37260-462
Date	Jan 7, 2019
Book Page	37260/462
Instrument	20190107001490

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	21 BOW ST, SALEM, MA 01970-1113
Document Number	35622-60
Book / Page	035622 / 000060
Instrument Date	Jan 11, 2017
Transaction Type	Mortgage
Record Updated	Feb 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	35622-60
Date	Jan 19, 2017
Book Page	035622/000060
Instrument	1701190211

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Jan 18, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 21 Bow St was $6,718, up 5.2% 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	$6,718.00 (+5.25%)	$623,200 (+10.71%) Land $243,300 Building $361,900	$630,819 (+28.44%)
2025	$6,383.00 (+3.23%)	$562,900 (+5.79%) Land $218,900 Building $344,000	$491,150
2024	$6,183.00 (+3.36%)	$532,100 (+11.27%) Land $208,000 Building $324,100
2023	$5,982.00	$478,200 Land $192,000 Building $286,200

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

Flood

FEMA maps place 21 Bow St in Zone X, an area of minimal flood risk, though there have been 2 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
Nearby Flood Claims	2 (1978–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2006 · Severe Storms And Flooding

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

The area around 21 Bow 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 598 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, T-Mobile.

Nearby Properties on Bow St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures