3 Ridgeway St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 3 Ridgeway St, Salem, MA 01970

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 3,010 sqft · built 1861
Lot Size	0.28 acres (12,192 sqft)
Owner	2 Individual Names on Record
Last Sale	$599,900 (Oct 2018)
Tax Bill	$10,383 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SALE M:17 L:0274`

Property Details

APN / Parcel Number

Primary APN	`SALE M:17 L:0274`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,010 sqft Living Area
Gross Area	5,443 sqft
Basement Area	1,249 sqft
Unfinished Basement	1,249 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1861
Effective Year Built	Effective 1861
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,192 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 RIDGEWAY ST
City	SALEM
State	MA
Zip	01970-1525
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Lot Number	274
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	5
Census Block	5003
Census Tract	204600

Owner

Source: Essex County and Salem City 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	2 Individual Names on Record
Mailing Address	3 RIDGEWAY ST, SALEM, MA 01970-1525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Apr 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Oct 12, 2018	Quit Claim Deed, Transfer NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Dec 28, 2017 · Amount on Record
Deed Book / Page	37076 / 418
Transfer Doc	037076-418
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	3 RIDGEWAY ST, SALEM, MA 01970-1525
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043188-149
Date	Jan 21, 2026
Book Page	43188/149
Instrument	20260121000880

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	3 RIDGEWAY ST, SALEM, MA 01970-1525
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38418-545
Date	Apr 14, 2020
Book Page	38418/545
Instrument	20200414002450

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Oct 12, 2018
Property Address	3 RIDGEWAY ST, SALEM, MA 01970-1525
Document Number	37076-418
Book / Page	37076 / 418
Instrument	181012001570
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64.44
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	370760421
Date	Oct 12, 2018
Instrument	37076/0421

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2048

Tax Assessment & Valuation

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	$10,383.00 (+4.51%)	$963,200 (+9.94%) Land $269,000 Building $693,600	$885,575
2025	$9,935.00 (+7.7%)	$876,100 (+10.35%) Land $242,100 Building $634,000
2024	$9,225.00 (+3.94%)	$793,900 (+11.91%) Land $230,100 Building $563,800
2023	$8,875.00	$709,400 Land $212,400 Building $497,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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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