234 Elm St, Amesbury, MA 01913 Property Records

Essex County and Amesbury City property record for 234 Elm St, Amesbury, MA 01913

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,520 sqft · built 1857
Lot Size	0.24 acres (10,440 sqft)
Owner	Individual Name on Record
Tax Bill	$7,495 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit Apr 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`AMES M:67 B:0061`

Property Details

APN / Parcel Number

Primary APN	`AMES M:67 B:0061`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,520 sqft Living Area
Gross Area	3,023 sqft
1st Floor Area	784 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1857
Effective Year Built	Effective 1857
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,440 sqft (0.24 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	234 ELM ST
City	AMESBURY
State	MA
Zip	01913-3828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Block	61
Jurisdiction	AMESBURY MA
Township / Civil Division	AMESBURY TOWN
Census Block Group	1
Census Block	1016
Census Tract	266300

Owner

Source: Essex County and Amesbury City 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	Individual Name on Record
Mailing Address	234 ELM ST, AMESBURY, MA 01913-3828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU
Aug 10, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 22, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMESBURY MA
Property Address	234 ELM ST, AMESBURY, MA 01913-3828
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042825-568
Date	Jul 11, 2025
Book Page	42825/568
Instrument	20250711003150

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMESBURY MA
Property Address	234 ELM ST, AMESBURY, MA 01913-3828
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38409-551
Date	Apr 10, 2020
Book Page	38409/551
Instrument	20200410002270

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMESBURY MA
Property Address	234 ELM ST, AMESBURY, MA 01913-3828
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36927-580
Date	Aug 10, 2018
Book Page	36927/580
Instrument	180810000070

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMESBURY MA
Property Address	234 ELM ST, AMESBURY, MA 01913-3828
Document Number	36540-343
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Mar 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36540-343
Date	Feb 20, 2018
Book Page	036540/000343
Instrument	1802203200

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Essex County and Amesbury City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Amesbury City
Unified School District	Amesbury School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,495.00 (+1.45%)	$498,000 (+3.13%) Land $217,700 Building $280,300	$566,495 (+8.2%)
2025	$7,388.00 (+5.81%)	$482,900 (+8.18%) Land $211,300 Building $271,600	$523,545
2024	$6,982.00 (+1.66%)	$446,400 (+6.21%) Land $199,400 Building $247,000
2023	$6,868.00	$420,300 Land $173,300 Building $247,000

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	13 (1978–2007)
Claims Outside the SFHA	8 of 13
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims Severe Storms And Flooding, May 2006 · 8 claims

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	AMESBURY DPW WATER DIV. serves 17,366 people · EPA ID MA3007000
Water Source	Surface water
Last State Inspection	Jun 2026
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 157 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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