21 Cliff St, Nahant, MA 01908 Property Records

Essex County and Nahant Town property record for 21 Cliff St, Nahant, MA 01908

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,760 sqft · built 1900
Lot Size	0.382 acres (16,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$815,000 (Nov 2018)
Tax Bill	$10,152 (2025)
Deeds & Mortgages	Apr 2022 Refinance Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NAHA M:0003B B:0000 L:0070`

Property Details

APN / Parcel Number

Primary APN	`NAHA M:0003B B:0000 L:0070`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,760 sqft Living Area
Gross Area	4,974 sqft
Basement Area	1,156 sqft
Unfinished Basement	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	16,640 sqft (0.382 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	21 CLIFF ST
City	NAHANT
State	MA
Zip	01908-1603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CLIFF STREET & 40 STEPS LANE
Legal Lot Number	70
Jurisdiction	NAHANT MA
Township / Civil Division	NAHANT
Census Block Group	1
Census Block	1017
Census Tract	201100

Owner

Source: Essex County and Nahant Town 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	21 CLIFF ST, NAHANT, MA 01908-1603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Nov 16, 2018	Quit Claim Deed, Transfer WELLS FARGO BANK NA
Jun 8, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	Apr 13, 2010 · Amount on Record
Deed Book / Page	37159 / 141
Transfer Doc	037159-141
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAHANT MA
Property Address	21 CLIFF ST, NAHANT, MA 01908-1603
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040889-394
Date	Apr 26, 2022
Book Page	40889/394
Instrument	20220426000880

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NAHANT MA
Recording Date	Nov 16, 2018
Property Address	21 CLIFF ST, NAHANT, MA 01908-1603
Document Number	37159-141
Book / Page	37159 / 141
Instrument	181116003860
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.14
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	371590144
Date	Nov 16, 2018
Instrument	37159/0144

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAHANT MA
Property Address	21 CLIFF ST, NAHANT, MA 01908-1603
Document Number	35938-380
Instrument Date	Jun 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35938-380
Date	Jun 14, 2017
Book Page	035938/000380
Instrument	1706140013

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Essex County and Nahant Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Nahant Town
Elementary School District	Nahant School District (PK - 06)
Secondary School District	Swampscott School District in Nahant (7-12) (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,152.00 (+6.04%)	$1,109,500 (+5.11%) Land $701,200 Building $408,300	$1,198,805
2024	$9,574.00 (+4.01%)	$1,055,600 (+4.24%) Land $647,300 Building $408,300
2023	$9,205.00	$1,012,700 Land $625,700 Building $387,000

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 32 individual policies
Nearby Flood Policies	43 units insured incl. 11 condo units
Nearby Flood Claims	95 (1978–2018)
Claims Outside the SFHA	15 of 95
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Winter Coastal Storm, Dec 1992 · 9 claims Coastal Storm, Oct 1991 · 26 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 13 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	NAHANT WATER DEPT. (MWRA) serves 3,334 people · EPA ID MA3196000
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	2 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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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