Essex County and Merrimac Town property record for 32 Locust St, Merrimac, MA 01860
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,602 sqft · built 1948 |
| Lot Size | 2.61 acres (113,692 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $340,000 (Aug 2018) |
| Tax Bill | $9,186 (2026) |
| Deeds & Mortgages | Nov 2024 Refinance Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MERR M:0025 B:0001 L:00003 |
| Primary APN | MERR M:0025 B:0001 L:00003 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,602 sqft Living Area |
| Gross Area | 4,023 sqft |
| Basement Area | 1,301 sqft |
| Unfinished Basement | 650 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 113,692 sqft (2.61 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 32 LOCUST ST |
|---|---|
| City | MERRIMAC |
| State | MA |
| Zip | 01860-1927 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | MERRIMAC MA |
| Township / Civil Division | MERRIMAC |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 262100 |
Source: Essex County and Merrimac Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 32 LOCUST ST, MERRIMAC, MA 01860-1927 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 22, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance SOFI BANK NA |
| Nov 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRIANGLE CU |
| Aug 10, 2018 | Quit Claim Deed, Transfer · Conventional with PMI TRIANGLE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2018 · Amount on Record |
| Deed Sale | Aug 10, 2018 · Amount on Record |
| Deed Book / Page | 36930 / 461 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 32 LOCUST ST, MERRIMAC, MA 01860-1927 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042446-402 |
|---|---|
| Date | Nov 22, 2024 |
| Book Page | 42446/402 |
| Instrument | 20241122000340 |
| Name | SOFI BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 32 LOCUST ST, MERRIMAC, MA 01860-1927 |
| Document Number | 38037-373 |
| Instrument Date | Nov 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 32 LOCUST ST MERRIMAC MA 018601927, MERRIMAC, MA 01860-1927 |
| Document Number | 38037-373 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 038037/000373 |
| Instrument | 1118004480 |
| Name | TRIANGLE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Nov 17, 2059 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Recording Date | Aug 10, 2018 |
| Property Address | 32 LOCUST ST, MERRIMAC, MA 01860-1927 |
| Document Number | 36930-461 |
| Book / Page | 036930 / 000461 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 1808104020 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,550.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 LOCUST ST MERRIMAC MA 018601927, MERRIMAC, MA 01860-1927 |
| Document Number | 36930-463 |
|---|---|
| Date | Aug 10, 2018 |
| Book Page | 036930/000463 |
| Instrument | 1808104030 |
| Name | TRIANGLE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 9, 2058 |
| Rate | 4.75% |
|---|
Source: Essex County and Merrimac Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Merrimac Town |
| Unified School District | Pentucket School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,186.00 (+9.2%) | $696,400 (+9.69%) Land $396,000 Building $294,500 | $715,834 |
| 2025 | $8,412.00 (+2.34%) | $634,900 (+4.27%) Land $396,000 Building $238,900 | |
| 2024 | $8,220.00 (+8.79%) | $608,900 (+19.02%) Land $374,000 Building $234,900 | |
| 2023 | $7,556.00 | $511,600 Land $317,300 Building $194,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2026 · other causes |
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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