21 Harbor Ave, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 21 Harbor Ave, Marblehead, MA 01945

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,216 sqft · built 1910
Lot Size	0.763 acres (33,249 sqft)
Owner	2 Individual Names on Record
Last Sale	$730,000 (Jan 2012)
Tax Bill	$15,916 (2026)
Deeds & Mortgages	May 2022 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`MARB M:0907 B:0011 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0907 B:0011 L:0`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,216 sqft Living Area
Gross Area	3,863 sqft
Basement Area	209 sqft
Unfinished Basement	209 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	33,249 sqft (0.763 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	21 HARBOR AVE
City	MARBLEHEAD
State	MA
Zip	01945-3605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LSR
Legal Subdivision	PLAN 7499-A
Legal Block	11
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	4
Census Block	4009
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	21 HARBOR AVE, MARBLEHEAD, MA 01945-3605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Jul 23, 2019	Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK
Jul 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST REPUBLIC BANK
Jul 22, 2020	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2012 · Amount on Record
Deed Sale	Jan 13, 2012 · Amount on Record
Prior Sale	Jan 13, 2012 · Amount on Record
Deed Book / Page	31005 / 51
Transfer Doc	0031005-51
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	21 HARBOR AVE, MARBLEHEAD, MA 01945-3605
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040954-211
Date	May 24, 2022
Book Page	40954/211
Instrument	20220524002360

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.65%
Type Change Date	Jun 1, 2032
Index	1-Year CMT

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	21 HARBOR AVE, MARBLEHEAD, MA 01945-3605
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037689-325
Date	Jul 23, 2019
Book Page	37689/325
Instrument	20190723003980

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	21 HARBOR AVE, MARBLEHEAD, MA 01945-3605
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038737-535
Date	Jul 22, 2020
Book Page	38737/535
Instrument	20200722003000

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2045

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	21 HARBOR AVE, MARBLEHEAD, MA 01945-3605
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038737-516
Date	Jul 22, 2020
Book Page	38737/516
Instrument	20200722002990

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.95%
Type Change Date	Aug 1, 2030
Index	1-Year CMT

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	$15,916.00 (+8.24%)	$1,859,400 (+14.45%) Land $1,219,100 Building $636,000	$2,170,380 (+25.79%)
2025	$14,704.00 (-14.1%)	$1,624,700 (-14.95%) Land $1,090,800 Building $533,900	$1,725,390
2024	$17,117.00 (+19.98%)	$1,910,400 (+33.9%) Land $1,385,900 Building $524,500
2023	$14,267.00	$1,426,700 Land $988,100 Building $438,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 57 policies
Nearby Flood Policies	57 in force
Nearby Flood Claims	7 (1991–2018)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 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 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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