3 Willow St, Haverhill, MA 01832 Property Records

Essex County and Haverhill City property record for 3 Willow St, Haverhill, MA 01832

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,540 sqft · built 2011
Lot Size	0.232 acres (10,136 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Nov 2020)
Tax Bill	$5,747 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`527-21-23`

Property Details

APN / Parcel Number

Primary APN	`527-21-23`
Alternative APN	`HAVE M:0527 B:00021 L:23-3`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,540 sqft Living Area
Gross Area	2,472 sqft
Basement Area	740 sqft
Unfinished Basement	740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,136 sqft
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	527-21-23
Street Address	3 WILLOW ST
City	HAVERHILL
State	MA
Zip	01832-2970
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	21
Legal Lot Number	23-3
Jurisdiction	HAVERHILL MA
Township / Civil Division	HAVERHILL
Census Block Group	2
Census Block	2014
Census Tract	260700

Owner

3 Willow St, a condominium, is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 WILLOW ST, HAVERHILL, MA 01832-2970
Occupancy	Owner Occupied
Owner Type	Individual

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 10, 2023	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Nov 5, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2020 · Amount on File
Deed Sale	Nov 5, 2020 · Amount on File
Prior Sale	Nov 19, 2014 · Amount on File
Deed Book / Page	39148 / 113
Prior Transfer Date	Nov 4, 2020
Prior Transfer Doc	3914000113
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	3 WILLOW ST, HAVERHILL, MA 01832-2970
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041392-572
Date	Jan 10, 2023
Book Page	41392/572
Instrument	20230110001340

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Feb 1, 2063

Interest

Rate Type	Adjustable Rate

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	Nov 5, 2020
Property Address	3 WILLOW ST, HAVERHILL, MA 01832-2970
Document Number	39148-113
Book / Page	39148 / 113
Instrument Date	Nov 4, 2020
Instrument	20201105003570
Transaction Type	Transfer
Record Updated	May 12, 2021

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 WILLOW ST # 3, 3, HAVERHILL, MA 01832-2970

Mortgage

Document Number	201105003580
Date	Nov 5, 2020
Instrument	201105003580

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3 Willow St was $5,747, up 9% 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	$5,747.00 (+9.03%)	$536,600 (+8.32%) Building $536,600	$477,090
2024	$5,271.00 (-0.96%)	$495,400 (+3.79%) Building $495,400
2023	$5,322.00	$477,300 Building $477,300

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

Flood

FEMA maps place 3 Willow St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2023 · rainfall accumulation

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 Willow 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	None beyond 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	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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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