22 Neptune Rd, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 22 Neptune Rd, Marblehead, MA 01945

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 3,064 sqft · built 1973
Lot Size	0.194 acres (8,451 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Oct 2016)
Tax Bill	$17,300 (2025)
Deeds & Mortgages	May 2022 Line of Credit Dec 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0122 B:0015 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0122 B:0015 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,064 sqft Living Area
Gross Area	4,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,451 sqft (0.194 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	22 NEPTUNE RD
City	MARBLEHEAD
State	MA
Zip	01945-1312
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SR
Legal Block	15
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	2
Census Block	2017
Census Tract	203301

Owner

Source: Essex County and Marblehead Town records, 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	2 Individual Names on Record
Mailing Address	22 NEPTUNE RD, MARBLEHEAD, MA 01945-1312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Line of Credit NATIONAL GRAND BANK OF MARBLEHEAD
Dec 27, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2016 · Amount on Record
Deed Sale	Oct 6, 2016 · Amount on Record
Prior Sale	Jun 19, 2013
Deed Book / Page	35330 / 117
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	22 NEPTUNE RD, MARBLEHEAD, MA 01945-1312
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040952-396
Date	May 24, 2022
Book Page	40952/396
Instrument	20220524000030

Lender

Name	NATIONAL GRAND BANK OF MARBLEHEAD
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	22 NEPTUNE RD, MARBLEHEAD, MA 01945-1312
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041925-130
Date	Dec 27, 2023
Book Page	41925/130
Instrument	20231227000060

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

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
2025	$17,300.00 (+11.65%)	$1,911,600 (+10.54%) Land $889,500 Building $1,022,100
2024	$15,495.00 (+5.14%)	$1,729,400 (+17.35%) Land $978,500 Building $750,900
2023	$14,737.00	$1,473,700 Land $773,900 Building $699,800

Assessed value is set for property tax purposes and is not a market price estimate.

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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