28 Phillips St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 28 Phillips St, Salem, MA 01970

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,151 sqft · built 1930
Lot Size	0.094 acres (4,082 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Oct 2021)
Tax Bill	$5,608 (2026)
Deeds & Mortgages	Jul 2021 Refinance Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SALE M:16 L:0257`

Property Details

APN / Parcel Number

Primary APN	`SALE M:16 L:0257`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,151 sqft Living Area
Gross Area	2,403 sqft
Basement Area	815 sqft
Unfinished Basement	815 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,082 sqft (0.094 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	28 PHILLIPS ST
City	SALEM
State	MA
Zip	01970-1538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	257
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2012
Census Tract	204600

Owner

28 Phillips St is owned and occupied by two individuals who bought it in October 2021.

Source: Essex County and Salem City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28 PHILLIPS ST, SALEM, MA 01970-1538
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
Oct 27, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKLAND TRUST CO
Mar 10, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on File
Deed Sale	Oct 27, 2021 · Amount on File
Deed Book / Page	40421 / 246
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	28 PHILLIPS ST, SALEM, MA 01970-1538
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040086-94
Date	Jul 15, 2021
Book Page	40086/94
Instrument	20210715005300

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Oct 27, 2021
Property Address	28 PHILLIPS ST, SALEM, MA 01970-1538
Document Number	040421-246
Book / Page	40421 / 246
Instrument Date	Oct 27, 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
Relationship	Joint Tenants with Right of Survivorship
Address	28 PHILLIPS ST, SALEM, MA 01970-1538

Mortgage

Document Number	0040421248
Date	Oct 27, 2021
Instrument	40421/248

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Mar 10, 2021
Property Address	28 PHILLIPS ST, SALEM, MA 01970-1538
Document Number	39631-590
Book / Page	39631 / 590
Instrument Date	Mar 5, 2021
Instrument	20210310003910
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 PHILLIPS ST, SALEM, MA 01970-1538

Tax Assessment & Valuation

The 2026 property tax bill for 28 Phillips St was $5,608, up 5.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,608.00 (+5.26%)	$520,200 (+10.73%) Land $222,800 Building $297,400	$550,287 (+4.82%)
2025	$5,328.00 (+3.36%)	$469,800 (+5.91%) Land $200,500 Building $269,300	$524,970
2024	$5,155.00 (+3.95%)	$443,600 (+11.91%) Land $190,500 Building $253,100
2023	$4,959.00	$396,400 Land $175,900 Building $220,500

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

Flood

FEMA maps place 28 Phillips St in Zone X, an area of minimal flood risk.

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

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 28 Phillips St 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 98% of the US · lower than 96% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SALEM WATER DEPARTMENT serves 44,480 people · EPA ID MA3258000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Dec 2024

Violations Reported to EPA

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 867 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Astound Broadband, AT&T, Verizon.

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