32 River Rd, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 32 River Rd, Merrimac, MA 01860 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,116 sqft · built 1965
Lot Size	1.41 acres (61,420 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Sep 2017)
Tax Bill	$12,838 (2025)
Deeds & Mortgages	Apr 2021 Refinance Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0027 B:0001 L:005-D`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0027 B:0001 L:005-D`
Alternative APN	`M:0027 B:0001 L:005=D`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,116 sqft Living Area
Gross Area	7,327 sqft
Basement Area	1,328 sqft
Unfinished Basement	1,328 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	61,420 sqft (1.41 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	32 RIVER RD
City	MERRIMAC
State	MA
Zip	01860-2230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	5-D
Jurisdiction	MERRIMAC MA
Township / Civil Division	MERRIMAC
Census Block Group	4
Census Block	4035
Census Tract	262100

Owner

Source: Essex County and Merrimac Town records · APN MERR M:0027 B:0001 L:005-D

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	32 RIVER RD, MERRIMAC, MA 01860-2230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 02, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CF BANK NA
Jun 01, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Sep 29, 2017	Quit Claim Deed, Transfer INST SVGS NEWBURYPORT

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 29, 2017 · Amount on Record
Deed Sale	Sep 29, 2017 · Amount on Record
Deed Book / Page	36219 / 496
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	32 RIVER RD, MERRIMAC, MA 01860-2230
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039726-337
Date	Apr 02, 2021
Book Page	39726/337
Instrument	20210402005070

Lender

Name	CF BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	32 RIVER RD, MERRIMAC, MA 01860-2230
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38567-15
Date	Jun 01, 2020
Book Page	38567/15
Instrument	20200601002160

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERRIMAC MA
Recording Date	Sep 29, 2017
Property Address	32 RIVER RD, MERRIMAC, MA 01860-2230
Document Number	36219-496
Book / Page	36219 / 496
Instrument	934
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$94.97
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 RIVER RD, MERRIMAC, MA 01860-2230

Mortgage

Document Number	362190499
Date	Sep 29, 2017
Instrument	36219/0499

Lender

Name	INST SVGS NEWBURYPORT
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2047

Tax Assessment & Valuation

Source: Essex County and Merrimac Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,838.00 (+1.08%)	$968,900 (+2.99%) Land $446,700 Building $522,200	$911,430
2024	$12,701.00 (+14.64%)	$940,800 (+25.42%) Land $446,700 Building $494,100
2023	$11,079.00	$750,100 Land $340,700 Building $409,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092621004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire

Wildfire Risk	Low above 7% of the US · above 16% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 46 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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