31 Rust St, South Hamilton, MA 01982 Property Records

Essex County and Hamilton Town property record for 31 Rust St, South Hamilton, MA 01982

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,911 sqft · built 1925
Lot Size	0.088 acres (3,820 sqft)
Owner	Individual Name on Record
Last Sale	$449,000 (Mar 2019)
Tax Bill	$9,168 (2026)
Deeds & Mortgages	May 2020 Refinance Jul 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HAMI M:55 B:163`

Property Details

APN / Parcel Number

Primary APN	`HAMI M:55 B:163`
Alternative APN	`1094`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,911 sqft Living Area
Gross Area	3,300 sqft
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,820 sqft (0.088 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1094
Street Address	31 RUST ST
City	SOUTH HAMILTON
State	MA
Zip	01982-2222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Block	163
Legal Lot Number	163
Jurisdiction	HAMILTON MA
Township / Civil Division	HAMILTON
Census Block Group	4
Census Block	4002
Census Tract	215102

Owner

Source: Essex County and Hamilton 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	31 RUST ST, SOUTH HAMILTON, MA 01982-2222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Jul 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Mar 14, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP
Oct 12, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2019 · Amount on Record
Deed Sale	Mar 14, 2019 · Amount on Record
Prior Sale	Jan 12, 2015
Deed Document Number	2019890
Deed Book / Page	37379 / 556
Prior Transfer Date	Feb 20, 2019
Prior Transfer Doc	37379-556
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON MA
Property Address	31 RUST ST, SOUTH HAMILTON, MA 01982-2222
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038485-135
Date	May 5, 2020
Book Page	38485/135
Instrument	20200505001080

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON MA
Property Address	31 RUST ST, SOUTH HAMILTON, MA 01982-2222
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040072-57
Date	Jul 12, 2021
Book Page	40072/57
Instrument	20210712002670

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON MA
Recording Date	Mar 14, 2019
Property Address	31 RUST ST, SOUTH HAMILTON, MA 01982-2222
Document Number	037379-556
Book / Page	37379 / 556
Instrument Date	Feb 20, 2019
Instrument	20190314000890
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
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
Address	31 RUST ST, SOUTH HAMILTON, MA 01982-2222

Mortgage

Document Number	190314000900
Date	Mar 14, 2019
Instrument	190314000900

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON MA
Property Address	31 RUST ST, SOUTH HAMILTON, MA 01982-2222
Document Number	37181-545
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 RUST ST SOUTH HAMILTON MA 019822222, SOUTH HAMILTON, MA 01982-2222

Mortgage

Document Number	37181-545
Date	Nov 29, 2018
Book Page	037181/000545
Instrument	1129002260

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,168.00 (+2.12%)	$609,600 (+6.26%) Land $287,200 Building $322,400	$702,457 (+3.27%)
2025	$8,978.00 (+5.17%)	$573,700 (+1.54%) Land $255,900 Building $317,800	$680,200
2024	$8,537.00 (+0.65%)	$565,000 (+8.84%) Land $255,900 Building $309,100
2023	$8,482.00	$519,100 Land $228,900 Building $290,200

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

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	HAMILTON WATER DEPT serves 7,674 people · EPA ID MA3119000
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2019
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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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