Essex County and Marblehead Town property record for 22 Locust St, Marblehead, MA 01945
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,048 sqft · built 1937 |
| Lot Size | 0.181 acres (7,863 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $11,002 (2025) |
| Deeds & Mortgages | May 2025 Line of Credit Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MARB M:0090 B:0024 L:0 |
| Primary APN | MARB M:0090 B:0024 L:0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Living Area |
| Gross Area | 3,758 sqft |
| Basement Area | 713 sqft |
| Unfinished Basement | 463 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,863 sqft (0.181 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 22 LOCUST ST |
|---|---|
| City | MARBLEHEAD |
| State | MA |
| Zip | 01945-2937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 24 |
| Jurisdiction | MARBLEHEAD MA |
| Township / Civil Division | MARBLEHEAD |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 203200 |
Source: Essex County and Marblehead Town assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 22 LOCUST ST, MARBLEHEAD, MA 01945-2937 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 9, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 29, 2022 | Deed of Trust, Mortgage · ARM MARBLEHEAD SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 3, 2013 |
| Deed Sale | Oct 3, 2013 |
| Prior Sale | Jun 29, 1993 · Amount on Record |
| Deed Book / Page | 32868 / 139 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 22 LOCUST ST, MARBLEHEAD, MA 01945-2937 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 042705-395 |
|---|---|
| Date | May 9, 2025 |
| Book Page | 42705/395 |
| Instrument | 20250509000150 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 22 LOCUST ST, MARBLEHEAD, MA 01945-2937 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 040899-555 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 40899/555 |
| Instrument | 20220429003140 |
| Name | MARBLEHEAD SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.13% |
| Type Change Date | May 1, 2029 |
| Index | 1-Year CMT |
Source: Essex County and Marblehead Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Marblehead Town |
| Unified School District | Marblehead School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,002.00 (-7.66%) | $1,215,700 (-8.58%) Land $875,100 Building $340,600 | $1,391,465 |
| 2024 | $11,915.00 (+10.61%) | $1,329,800 (+23.45%) Land $1,000,200 Building $329,600 | |
| 2023 | $10,772.00 | $1,077,200 Land $812,600 Building $264,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
Source: FCC Broadband Data Collection, based on 306 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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