295 Ocean Ave, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 295 Ocean Ave, Marblehead, MA 01945

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 6,503 sqft · built 1890
Lot Size	0.453 acres (19,720 sqft)
Owner	Individual Name on File
Tax Bill	$43,369 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0912 B:0025 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0912 B:0025 L:0`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	6,503 sqft Living Area
Gross Area	11,028 sqft
Basement Area	2,203 sqft
Unfinished Basement	1,649 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	19,720 sqft (0.453 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	295 OCEAN AVE
City	MARBLEHEAD
State	MA
Zip	01945-3728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LSR
Legal Block	25
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	4
Census Block	4006
Census Tract	203200

Owner

Source: Essex County and Marblehead Town assessment roll, as of April 14, 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 File
Mailing Address	295 OCEAN AVE, MARBLEHEAD, MA 01945-3728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · ARM SILICON VALLEY BANK
Nov 19, 2018	Deed of Trust, Mortgage · ARM BOSTON PRIVATE BANK & TRUST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 11, 2008
Deed Sale	Aug 11, 2008
Deed Book / Page	27973 / 444
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	295 OCEAN AVE, MARBLEHEAD, MA 01945-3728
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040102-27
Date	Jul 21, 2021
Book Page	40102/27
Instrument	20210721002240

Lender

Name	SILICON VALLEY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Aug 1, 2028
Index	LIBOR

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	295 OCEAN AVE, MARBLEHEAD, MA 01945-3728
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37165-58
Date	Nov 19, 2018
Book Page	37165/58
Instrument	181119006540

Lender

Name	BOSTON PRIVATE BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Essex County and Marblehead Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Marblehead Town
Unified School District	Marblehead School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$43,369.00 (+1.6%)	$4,792,100 (+0.59%) Land $3,413,700 Building $1,378,400	$7,038,645
2024	$42,687.00 (-1.52%)	$4,764,200 (+9.91%) Land $3,413,700 Building $1,350,500
2023	$43,345.00	$4,334,500 Land $3,230,500 Building $1,104,000

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 57 policies
Nearby Flood Policies	57 in force
Nearby Flood Claims	7 (1991–2018)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 2 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

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 180 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

May also be available: T-Mobile USA.

Cell Coverage

5G (outdoors only) and 4G LTE

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