3 Dwight St, Haverhill, MA 01830 Property Records

Essex County and Haverhill City property record for 3 Dwight St, Haverhill, MA 01830

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,016 sqft · built 2003
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Jan 2018)
Tax Bill	$6,396 (2025)
Deeds & Mortgages	Jan 2021 Refinance Jan 2025 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`409-7-93`

Property Details

APN / Parcel Number

Primary APN	`409-7-93`
Alternative APN	`HAVE M:0409 B:00007 L:93`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,016 sqft Living Area
Gross Area	4,204 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	409-7-93
Street Address	3 DWIGHT ST
City	HAVERHILL
State	MA
Zip	01830-4205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	7
Legal Lot Number	93
Jurisdiction	HAVERHILL MA
Township / Civil Division	HAVERHILL
Census Block Group	1
Census Block	1009
Census Tract	260301

Owner

3 Dwight St is owned and occupied by two individuals who acquired it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 DWIGHT ST, HAVERHILL, MA 01830-4205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jan 31, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Aug 26, 2019	Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE
Jan 31, 2018	Quit Claim Deed, Transfer · FHA Mortgage FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2018 · Amount on File
Deed Sale	Jan 31, 2018 · Amount on File
Prior Sale	Apr 4, 2003 · Amount on File
Deed Book / Page	36508 / 361
Last Transfer Date	Aug 20, 2019
Transfer Doc	37784-438
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	3 DWIGHT ST, HAVERHILL, MA 01830-4205
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039423-587
Date	Jan 19, 2021
Book Page	39423/587
Instrument	20210119003300

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	3 DWIGHT ST, HAVERHILL, MA 01830-4205
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00042557-1
Date	Jan 31, 2025
Book Page	42557/1
Instrument	20250131003210

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2050

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	Aug 26, 2019
Property Address	3 DWIGHT ST, HAVERHILL, MA 01830-4205
Document Number	37784-438
Book / Page	037784 / 000438
Instrument Date	Aug 20, 2019
Instrument	1908263350
Transaction Type	Transfer
Record Updated	Sep 11, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 DWIGHT ST HAVERHILL MA 018304205, HAVERHILL, MA 01830-4205

Mortgage

Document Number	37784-440
Date	Aug 26, 2019
Book Page	037784/000440
Instrument	1908263360

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2049

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	Jan 31, 2018
Property Address	3 DWIGHT ST, HAVERHILL, MA 01830-4205
Document Number	36508-361
Book / Page	036508 / 000361
Instrument Date	Jan 30, 2018
Instrument	1801316810
Transaction Type	Transfer
Record Updated	Feb 20, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,710.00
Amount Accuracy	Confirmed
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	3 DWIGHT ST HAVERHILL MA 018304205, HAVERHILL, MA 01830-4205

Mortgage

Document Number	36508-363
Date	Jan 31, 2018
Book Page	036508/000363
Instrument	1801316820

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3 Dwight St was $6,396, up 6.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,396.00 (+6.65%)	$597,200 (+5.96%) Land $179,600 Building $417,600	$596,410
2024	$5,997.00 (+1.8%)	$563,600 (+6.68%) Land $163,900 Building $399,700
2023	$5,891.00	$528,300 Land $163,900 Building $364,400

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

Flood

FEMA maps place 3 Dwight St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.

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 Claims	2 (1986–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 3 Dwight St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HAVERHILL WATER DEPT serves 61,277 people · EPA ID MA3128000
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 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: Verizon.

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