3 Pineneedle Rd, Georgetown, MA 01833 Property Records

Essex County and Georgetown Town property record for 3 Pineneedle Rd, Georgetown, MA 01833

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,284 sqft · built 2005
Lot Size	0.928 acres (40,436 sqft)
Owner	Individual Name on Record
Tax Bill	$14,452 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GEOR M:00019 B:00000 L:0048K`

Property Details

APN / Parcel Number

Primary APN	`GEOR M:00019 B:00000 L:0048K`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,284 sqft Living Area
Gross Area	6,489 sqft
Basement Area	1,034 sqft
Unfinished Basement	1,034 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,436 sqft (0.928 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	3 PINENEEDLE RD
City	GEORGETOWN
State	MA
Zip	01833-1865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	WHISPERING PINES GEORGETOWN MA
Legal Lot Number	48K
Jurisdiction	GEORGETOWN MA
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2011
Census Tract	265102

Owner

Source: Essex County and Georgetown Town records, as of October 20, 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 Record
Mailing Address	3 PINENEEDLE RD, GEORGETOWN, MA 01833-1865
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEEDHAM BANK
Jan 28, 2019	Deed of Trust, Mortgage · ARM MELROSE COOPERATIVE BANK
Mar 9, 2020	Deed of Trust, Mortgage · Balloon Mortgage MELROSE COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2010
Deed Sale	Aug 25, 2010
Prior Sale	Aug 5, 2008 · Amount on Record
Deed Book / Page	29707 / 396
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Recording Date	Sep 23, 2026
Property Address	3 PINENEEDLE RD, GEORGETOWN, MA 01833-1865
Document Number	0000001260
Book / Page	43644 / 434
Instrument Date	Sep 18, 2026
Instrument	20261260
Transaction Type	Mortgage
Record Updated	Oct 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 PINENEEDLE RD, GEORGETOWN, MA 01833-1865

Mortgage

Document Number	0000001260,
Date	Sep 23, 2026
Book Page	43644/434
Instrument	20261260

Lender

Name	NEEDHAM BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2066

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Type Change Date	Oct 1, 2031
Index	5-Year CMT
Margin	3
Max Rate	-1%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	3 PINENEEDLE RD, GEORGETOWN, MA 01833-1865
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37295-207
Date	Jan 28, 2019
Book Page	37295/207
Instrument	20190128001590

Lender

Name	MELROSE COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2024

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	3 PINENEEDLE RD, GEORGETOWN, MA 01833-1865
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38319-596
Date	Mar 9, 2020
Book Page	38319/596
Instrument	20200309001690

Lender

Name	MELROSE COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,452.00 (+24.41%)	$1,050,300 (-) Land $321,600 Building $728,700	$1,082,171 (-0.41%)
2025	$11,616.00 (-2.87%)	$1,050,300 (+10.22%) Land $321,600 Building $728,700	$1,086,610
2024	$11,959.00 (-2.23%)	$952,900 (+1.11%) Land $221,800 Building $731,100
2023	$12,232.00	$942,400 Land $221,800 Building $720,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Oct 1996 · Extreme Weather Conditons 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	GEORGETOWN WATER DEPARTMENT serves 8,766 people · EPA ID MA3105000
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Jul 2018
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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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