Essex County and Merrimac Town property record for 23 Union St, Merrimac, MA 01860
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,470 sqft · built 1960 |
| Lot Size | 0.149 acres (6,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Jan 2003) |
| Tax Bill | $6,777 (2026) |
| Deeds & Mortgages | Apr 2024 Mortgage Mar 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | MERR M:0023 B:0001 L:004-D |
| Primary APN | MERR M:0023 B:0001 L:004-D |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,470 sqft Living Area |
| Gross Area | 2,820 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,504 sqft (0.149 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 23 UNION ST |
|---|---|
| City | MERRIMAC |
| State | MA |
| Zip | 01860-2217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 1 |
| Legal Lot Number | 4-D |
| Jurisdiction | MERRIMAC MA |
| Township / Civil Division | MERRIMAC |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 262100 |
Source: Essex County and Merrimac 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 | 23 UNION ST, MERRIMAC, MA 01860-2217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE |
| Mar 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2003 · Amount on Record |
| Deed Sale | Jan 17, 2003 · Amount on Record |
| Deed Book / Page | 20013 / 186 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 23 UNION ST, MERRIMAC, MA 01860-2217 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2024 |
| Name | Verified Name |
|---|
| Document Number | 042091-260 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | 42091/260 |
| Instrument | 20240430000520 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 23 UNION ST, MERRIMAC, MA 01860-2217 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39611-444 |
|---|---|
| Date | Mar 5, 2021 |
| Book Page | 39611/444 |
| Instrument | 20210305004320 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: Essex County and Merrimac Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Merrimac Town |
| Unified School District | Pentucket School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,777.00 (+1.13%) | $513,800 (+1.6%) Land $283,200 Building $227,700 | $574,484 (-3.29%) |
| 2025 | $6,701.00 (+2.85%) | $505,700 (+4.79%) Land $283,200 Building $222,500 | $594,035 |
| 2024 | $6,515.00 (+8.96%) | $482,600 (+19.22%) Land $267,500 Building $215,100 | |
| 2023 | $5,979.00 | $404,800 Land $226,600 Building $178,200 |
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 |
|---|---|
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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