22 River Rd, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 22 River Rd, Merrimac, MA 01860

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,184 sqft · built 1976
Lot Size	1.95 acres (84,986 sqft)
Owner	2 Trust Names on File
Last Sale	$685,000 (Dec 2021)
Tax Bill	$9,592 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0027 B:0001 L:005-M`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0027 B:0001 L:005-M`
Alternative APN	`M:0027 B:0001 L:005=M`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,184 sqft Living Area
Gross Area	4,910 sqft
Basement Area	1,768 sqft
Unfinished Basement	1,768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	84,986 sqft (1.95 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	22 RIVER RD
City	MERRIMAC
State	MA
Zip	01860-2230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Block	1
Legal Lot Number	5-M
Jurisdiction	MERRIMAC MA
Township / Civil Division	MERRIMAC
Census Block Group	4
Census Block	4031
Census Tract	262100

Owner

22 River Rd is owner-occupied and held in a trust since December 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	22 RIVER RD, MERRIMAC, MA 01860-2230
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 22, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANGOR SAVINGS BANK
Dec 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2021 · Amount on File
Deed Sale	Dec 22, 2021 · Amount on File
Prior Sale	Jul 20, 2015 · Amount on File
Deed Book / Page	40598 / 483
Prior Transfer Date	Dec 21, 2021
Prior Transfer Doc	4059000483
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERRIMAC MA
Recording Date	Dec 22, 2021
Property Address	22 RIVER RD, MERRIMAC, MA 01860-2230
Document Number	040598-483
Book / Page	40598 / 483
Instrument Date	Dec 21, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 RIVER RD, MERRIMAC, MA 01860-2230

Mortgage

Document Number	0040598489
Date	Dec 22, 2021
Instrument	40598/489

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	22 RIVER RD, MERRIMAC, MA 01860-2230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39265-537
Date	Dec 7, 2020
Book Page	39265/537
Instrument	20201207005970

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	193 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 22 River Rd was $9,592, up 1.4% 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	$9,592.00 (+1.38%)	$727,200 (+1.85%) Land $389,200 Building $332,800	$792,409 (-1.57%)
2025	$9,461.00 (-1.65%)	$714,000 (+0.2%) Land $389,200 Building $324,800	$805,030
2024	$9,620.00 (-1.53%)	$712,600 (+7.74%) Land $389,200 Building $323,400
2023	$9,769.00	$661,400 Land $371,000 Building $290,400

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

Flood

FEMA maps place 22 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2026 · other causes

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

Wildfire risk around 22 River Rd is low, with less than 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 97% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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