31 Prospect St, Apt 5, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 31 Prospect St, Apt 5, Marblehead, MA 01945

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,154 sqft · built 1880
Lot Size	0.266 acres (11,615 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Nov 2019)
Tax Bill	$3,797 (2026)
Deeds & Mortgages	Feb 2021 Refinance Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0110 B:0060 L:5`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0110 B:0060 L:5`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Units	5 Units
Stories	2 Stories
Building Area	1,154 sqft Living Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	11,615 sqft

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	31 PROSPECT ST, 5
City	MARBLEHEAD
State	MA
Zip	01945-3113
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CR
Legal Block	60
Legal Lot Number	5
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	1
Census Block	1002
Census Tract	203200

Owner

31 Prospect St, Apt 5 is owned and occupied by an individual who bought it in November 2019.

Source: Essex County and Marblehead Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	31 PROSPECT ST, 5, MARBLEHEAD, MA 01945-3113
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
Feb 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Feb 6, 2017	Deed of Trust, Mortgage SAGE BANK
Nov 12, 2019	Condominium Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Prior Sale	Feb 10, 2006 · Amount on File
Deed Book / Page	38018 / 444
Prior Transfer Date	Nov 8, 2019
Prior Transfer Doc	38018-444
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	31 PROSPECT ST APT 5, 5, MARBLEHEAD, MA 01945-3113
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039538-198
Date	Feb 17, 2021
Book Page	39538/198
Instrument	20210217001170

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	31 PROSPECT ST APT 5, 5, MARBLEHEAD, MA 01945-3113
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35663-550
Date	Feb 6, 2017
Book Page	35663/550
Instrument	213

Lender

Name	SAGE BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

November 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	MARBLEHEAD MA
Recording Date	Nov 12, 2019
Property Address	31 PROSPECT ST APT 5, 5, MARBLEHEAD, MA 01945-3113
Document Number	38018-444
Book / Page	038018 / 000444
Instrument Date	Nov 8, 2019
Instrument	1112005320
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,801.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 PROSPECT ST #5 MARBLEHEAD MA 019453113, 5, MARBLEHEAD, MA 01945-3113

Mortgage

Document Number	38018-446
Date	Nov 12, 2019
Book Page	038018/000446
Instrument	1112005330

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 31 Prospect St, Apt 5 was $3,797, down 2.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,797.00 (-2.59%)	$443,600 (+3%) Building $443,600	$513,451 (+0.16%)
2025	$3,898.00 (+2.96%)	$430,700 (+1.92%) Building $430,700	$512,620
2024	$3,786.00 (-6.61%)	$422,600 (+4.24%) Building $422,600
2023	$4,054.00	$405,400 Building $405,400

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

Flood

FEMA maps place 31 Prospect St, Apt 5 in Zone X, an area of minimal flood risk, though there have been 56 flood claims nearby since 1978.

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	56 (1978–2018)
Claims Outside the SFHA	6 of 56
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Winter Coastal Storm, Dec 1992 · 8 claims Coastal Storm, Oct 1991 · 16 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 9 claims

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 31 Prospect St, Apt 5 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	MARBLEHEAD WATER DEPT. (MWRA) serves 20,441 people · EPA ID MA3168000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 2024
Lead	2 ppb (2025) action level 15 ppb

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 759 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

31 Prospect St, Apt 5, Marblehead, MA 01945 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Condominium Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number