28 Whitney Ave, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 28 Whitney Ave, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,473 sqft · built 1910
Lot Size	0.115 acres (4,988 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Jul 2017)
Tax Bill	$7,278 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Oct 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0031 B:0175 L` `6368`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,473 sqft Living Area
Gross Area	3,605 sqft
Basement Area	712 sqft
Unfinished Basement	712 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,988 sqft (0.115 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	6368
Street Address	28 WHITNEY AVE
City	BEVERLY
State	MA
Zip	01915-3443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	175
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	5
Census Block	5013
Census Tract	217500

Owner

28 Whitney Ave is owned and occupied by two individuals who bought it in July 2017.

Source: Essex County and Beverly City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28 WHITNEY AVE, BEVERLY, MA 01915-3443
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
Jun 8, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Sep 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Jul 28, 2017	Quit Claim Deed, Transfer · Conventional with PMI LEND USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2017 · Amount on File
Deed Sale	Jul 28, 2017 · Amount on File
Prior Sale	Sep 15, 2015
Deed Book / Page	36055 / 89
Transfer Doc	0036055-89
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	28 WHITNEY AVE, BEVERLY, MA 01915-3443
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041603-96
Date	Jun 8, 2023
Book Page	41603/96
Instrument	20230608000350

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	28 WHITNEY AVE, BEVERLY, MA 01915-3443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39106-337
Date	Oct 27, 2020
Book Page	39106/337
Instrument	20201027005220

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Nov 1, 2047

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	28 WHITNEY AVE, BEVERLY, MA 01915-3443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37817-102
Date	Sep 5, 2019
Book Page	37817/102
Instrument	20190905002480

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Oct 1, 2047

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Jul 28, 2017
Property Address	28 WHITNEY AVE, BEVERLY, MA 01915-3443
Document Number	36055-89
Book / Page	036055 / 000089
Instrument Date	Jul 28, 2017
Instrument	1707280312
Transaction Type	Transfer
Record Updated	Aug 15, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,869.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 WHITNEY AVE BEVERLY MA 019153443, BEVERLY, MA 01915-3443

Mortgage

Document Number	36055-91
Date	Jul 28, 2017
Book Page	036055/000091
Instrument	1707280313

Lender

Name	LEND USA

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 28 Whitney Ave was $7,278, up 9.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,278.00 (+9.66%)	$662,200 (+12.05%) Land $432,900 Building $229,300	$624,245
2024	$6,637.00 (+4.65%)	$591,000 (+4.94%) Land $377,400 Building $213,600
2023	$6,342.00	$563,200 Land $349,600 Building $213,600

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

Flood

FEMA maps place 28 Whitney Ave 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	2 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 Whitney Ave 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	BEVERLY WATER DEPT serves 47,461 people · EPA ID MA3030000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Nov 2025

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 706 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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