3 White St, Salem, MA 01970 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,508 sqft · built 1900
Lot Size	0.049 acres (2,113 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Jul 2022)
Tax Bill	$11,040 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SALE M:41 L:0282`

Property Details

APN / Parcel Number

Primary APN	`SALE M:41 L:0282`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,508 sqft Living Area
Gross Area	3,739 sqft
Basement Area	836 sqft
Unfinished Basement	836 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,113 sqft (0.049 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	3 WHITE ST
City	SALEM
State	MA
Zip	01970-5609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B1
Legal Lot Number	282
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	4
Census Block	4005
Census Tract	204400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Derby Waterfront District listed 1976 · 100 contributing resources · NRIS 76000297

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3 White St is owned and occupied by two individuals who bought it in July 2022.

Source: Essex County and Salem City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 WHITE ST, SALEM, MA 01970-5609
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2022 · Amount on File
Deed Sale	Jul 29, 2022 · Amount on File
Prior Sale	Jun 12, 2013 · Amount on File
Deed Book / Page	41099 / 27
Record Updated	Oct 29, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Jul 29, 2022
Property Address	3 WHITE ST, SALEM, MA 01970-5609
Document Number	0041099-27
Book / Page	41099 / 27
Instrument Date	Jul 29, 2022
Instrument	20220729004330
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 WHITE ST, SALEM, MA 01970-5609

Mortgage

Document Number	220729004340
Date	Jul 29, 2022
Instrument	220729004340

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3 White St was $11,040, up 5.5% from the year before.

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	$11,040.00 (+5.45%)	$1,024,100 (+10.93%) Land $317,300 Building $706,800	$1,107,463 (-1.76%)
2025	$10,469.00 (+2.47%)	$923,200 (+4.99%) Land $285,600 Building $637,600	$1,127,270
2024	$10,217.00 (+6.28%)	$879,300 (+14.43%) Land $271,400 Building $607,900
2023	$9,613.00	$768,400 Land $250,500 Building $517,900

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

Flood

FEMA maps place 3 White St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 55 individual policies
Nearby Flood Policies	66 units insured incl. 11 condo units
Nearby Flood Claims	20 (1996–2024)
Claims Outside the SFHA	2 of 20
Most Recent Claim	Jan 2024 · tidal / storm surge

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

The area around 3 White St has no burnable land within ember reach, so its wildfire risk is not rated.

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 638 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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