Essex County and Marblehead Town property record for 28 Elm St, Marblehead, MA 01945
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 945 sqft · built 1906 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $345,000 (Sep 2006) |
| Tax Bill | $6,288 (2026) |
| Deeds & Mortgages | May 2021 Refinance Feb 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MARB M:0165 B:0043 L:0 |
| Primary APN | MARB M:0165 B:0043 L:0 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 945 sqft Living Area |
| Gross Area | 1,493 sqft |
| Basement Area | 315 sqft |
| Unfinished Basement | 315 sqft |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,500 sqft (0.057 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 28 ELM ST |
|---|---|
| City | MARBLEHEAD |
| State | MA |
| Zip | 01945-3404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Block | 43 |
| Jurisdiction | MARBLEHEAD MA |
| Township / Civil Division | MARBLEHEAD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 203302 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Marblehead Historic District listed 1984 · 988 contributing resources · NRIS 84002402 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
28 Elm St is owned and occupied by an individual who bought it in September 2006.
Source: Essex County and Marblehead Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 ELM ST, MARBLEHEAD, MA 01945-3404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MARBLEHEAD SAVINGS BANK |
| Feb 10, 2023 | Deed of Trust, Mortgage · Line of Credit MARBLEHEAD SAVINGS BANK |
| May 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MARBLEHEAD SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2006 · Amount on File |
| Deed Sale | Sep 12, 2006 · Amount on File |
| Prior Sale | Mar 23, 1992 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 28 ELM ST, MARBLEHEAD, MA 01945-3404 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000624948 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 624948 |
| Name | MARBLEHEAD SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 28 ELM ST, MARBLEHEAD, MA 01945-3404 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000642435 |
|---|---|
| Date | Feb 10, 2023 |
| Instrument | 642435 |
| Name | MARBLEHEAD SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 28 ELM ST, MARBLEHEAD, MA 01945-3404 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 624948 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 624948 |
| Name | MARBLEHEAD SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
The 2026 property tax bill for 28 Elm St was $6,288, down 1.5% from the year before.
Source: Essex County and Marblehead Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Marblehead Town |
| Unified School District | Marblehead School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,288.00 (-1.46%) | $734,600 (+4.18%) Land $552,500 Building $182,100 | $736,069 (+17.36%) |
| 2025 | $6,381.00 (+1.38%) | $705,100 (+0.37%) Land $552,500 Building $152,600 | $627,190 |
| 2024 | $6,294.00 (+4.8%) | $702,500 (+16.97%) Land $552,500 Building $150,000 | |
| 2023 | $6,006.00 | $600,600 Land $476,000 Building $124,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Elm St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1978.
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 |
| Flood Insurance Cost | Premium on File median of 47 individual policies |
| Nearby Flood Policies | 49 units insured incl. 2 condo units |
| Nearby Flood Claims | 17 (1978–2024) |
| Claims Outside the SFHA | 4 of 17 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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.
The area around 28 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 949 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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