Essex County and Merrimac Town property record for 26 Locust St, Merrimac, MA 01860
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,395 sqft · built 1881 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Oct 2016) |
| Tax Bill | $7,752 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MERR M:0018 B:0001 L:00009 |
| Primary APN | MERR M:0018 B:0001 L:00009 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,395 sqft Living Area |
| Gross Area | 4,872 sqft |
| Basement Area | 1,184 sqft |
| Unfinished Basement | 1,184 sqft |
| Year Built | Built 1881 |
|---|---|
| Effective Year Built | Effective 1881 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,001 sqft (0.23 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 26 LOCUST ST |
|---|---|
| City | MERRIMAC |
| State | MA |
| Zip | 01860-1926 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | VR |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | MERRIMAC MA |
| Township / Civil Division | MERRIMAC |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 262100 |
Source: Essex County and Merrimac Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 26 LOCUST ST, MERRIMAC, MA 01860-1926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Apr 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2016 · Amount on Record |
| Deed Sale | Oct 20, 2016 · Amount on Record |
| Prior Sale | Nov 10, 2006 · Amount on Record |
| Deed Book / Page | 35368 / 313 |
| Transfer Doc | 035368-313 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 26 LOCUST ST, MERRIMAC, MA 01860-1926 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 043277-251 |
|---|---|
| Date | Mar 17, 2026 |
| Book Page | 43277/251 |
| Instrument | 20260317002190 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 26 LOCUST ST, MERRIMAC, MA 01860-1926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38460-83 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 38460/83 |
| Instrument | 20200428002900 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
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 | $7,752.00 (+2.44%) | $587,700 (+2.91%) Land $287,900 Building $298,200 | $643,057 |
| 2025 | $7,567.00 (+11.21%) | $571,100 (+13.31%) Land $287,900 Building $283,200 | |
| 2024 | $6,804.00 (-0.38%) | $504,000 (+9%) Land $271,900 Building $232,100 | |
| 2023 | $6,830.00 | $462,400 Land $230,300 Building $232,100 |
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 | Indirect within ember reach |
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 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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