21 Pine St, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 21 Pine St, Merrimac, MA 01860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,855 sqft · built 1890
Lot Size	0.43 acres (18,713 sqft)
Owner	2 Individual Names on File
Last Sale	$267,500 (Aug 2014)
Tax Bill	$7,346 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0011 B:0002 L:00001`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0011 B:0002 L:00001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,855 sqft Living Area
Gross Area	3,182 sqft
Basement Area	812 sqft
Unfinished Basement	812 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,713 sqft (0.43 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	21 PINE ST
City	MERRIMAC
State	MA
Zip	01860-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	2
Legal Lot Number	1
Jurisdiction	MERRIMAC MA
Township / Civil Division	MERRIMAC
Census Block Group	1
Census Block	1002
Census Tract	262100

Owner

21 Pine St is owned and occupied by two individuals who bought it in August 2014.

Source: Essex County and Merrimac Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 PINE ST, MERRIMAC, MA 01860-1416
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
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit ALIGN CREDIT UNION
May 7, 2021	Deed of Trust, Mortgage · Balloon Mortgage ALIGN CREDIT UNION
May 4, 2018	Deed of Trust, Mortgage · Line of Credit ALIGN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2014 · Amount on File
Deed Sale	Aug 5, 2014 · Amount on File
Deed Book / Page	33458 / 440
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Recording Date	Apr 10, 2026
Property Address	21 PINE ST, MERRIMAC, MA 01860-1416
Document Number	0043324-80
Book / Page	43324 / 80
Instrument Date	Apr 6, 2026
Instrument	20263340
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 PINE ST, MERRIMAC, MA 01860-1416

Mortgage

Document Number	0000003340,
Date	Apr 10, 2026
Book Page	43324/80
Instrument	20263340

Lender

Name	ALIGN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	21 PINE ST, MERRIMAC, MA 01860-1416
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039855-150
Date	May 7, 2021
Book Page	39855/150
Instrument	20210507006550

Lender

Name	ALIGN CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	21 PINE ST, MERRIMAC, MA 01860-1416
Document Number	36717-159
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 PINE ST MERRIMAC MA 018601416, MERRIMAC, MA 01860-1416

Mortgage

Document Number	36717-159
Date	May 15, 2018
Book Page	036717/000159
Instrument	1805154830

Lender

Name	ALIGN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 21 Pine St was $7,346, up 1.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Merrimac Town
Unified School District	Pentucket School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,346.00 (+1.23%)	$556,900 (+1.68%) Land $299,700 Building $253,000	$624,259 (+19.65%)
2025	$7,257.00 (+2.78%)	$547,700 (+4.72%) Land $299,700 Building $248,000	$521,740
2024	$7,061.00 (+6.77%)	$523,000 (+16.82%) Land $283,000 Building $240,000
2023	$6,613.00	$447,700 Land $239,800 Building $207,900

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

Flood

FEMA maps place 21 Pine St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 21 Pine St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	MERRIMAC WATER DEPARTMENT serves 6,988 people · EPA ID MA3180000
Water Source	Groundwater
Last State Inspection	Oct 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	1 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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