Essex County and Marblehead Town property record for 34 Commercial St, Marblehead, MA 01945
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,472 sqft · built 1880 |
| Lot Size | 0.119 acres (5,162 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,083 (2026) |
| Deeds & Mortgages | Jul 2017 Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MARB M:0114 B:0018 L:0 |
| Primary APN | MARB M:0114 B:0018 L:0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,472 sqft Living Area |
| Gross Area | 2,575 sqft |
| Basement Area | 826 sqft |
| Unfinished Basement | 826 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,162 sqft (0.119 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 34 COMMERCIAL ST |
|---|---|
| City | MARBLEHEAD |
| State | MA |
| Zip | 01945-3112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Block | 18 |
| Jurisdiction | MARBLEHEAD MA |
| Township / Civil Division | MARBLEHEAD |
| Census Block Group | 4 |
| Census Block | 4042 |
| Census Tract | 203200 |
Source: Essex County and Marblehead 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 34 COMMERCIAL ST, MARBLEHEAD, MA 01945-3112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2017 | Deed of Trust, Mortgage · FHA Mortgage FINANCE AMERICA |
| Jul 27, 2017 | Deed of Trust, Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2016 |
| Deed Sale | Feb 5, 2016 |
| Prior Sale | Mar 12, 2002 · Amount on Record |
| Deed Document Number | 2016244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 34 COMMERCIAL ST, MARBLEHEAD, MA 01945-3112 |
| Document Number | 36089-449 |
| Book / Page | 036089 / 000449 |
| Instrument Date | Jul 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Document Number | 36089-449 |
|---|---|
| Date | Aug 10, 2017 |
| Book Page | 036089/000449 |
| Instrument | 1708100045 |
| Name | FINANCE AMERICA |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 936 Months |
| Due | Aug 9, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.36% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 34 COMMERCIAL ST, MARBLEHEAD, MA 01945-3112 |
| Document Number | 36665-583 |
| Instrument Date | Jul 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 34 COMMERCIAL ST MARBLEHEAD MA 019453112, MARBLEHEAD, MA 01945-3112 |
| Document Number | 36665-583 |
|---|---|
| Date | Apr 24, 2018 |
| Book Page | 036665/000583 |
| Instrument | 1804241070 |
| Name | HUD-HOUSING/URBAN DEV |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 924 Months |
| Due | Apr 23, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.36% |
Source: Essex County and Marblehead Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Marblehead Town |
| Unified School District | Marblehead School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,083.00 (+4.55%) | $827,400 (+10.53%) Land $554,700 Building $265,500 | $794,335 (-32.7%) |
| 2025 | $6,775.00 (-4.39%) | $748,600 (-5.34%) Land $520,000 Building $228,600 | $1,180,375 |
| 2024 | $7,086.00 (+13.54%) | $790,800 (+26.71%) Land $566,200 Building $224,600 | |
| 2023 | $6,241.00 | $624,100 Land $439,100 Building $185,000 |
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 |
| Flood Insurance Cost | Premium on Record median of 57 policies |
| Nearby Flood Policies | 57 in force |
| Nearby Flood Claims | 7 (1991–2018) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Mar 2018 · Severe Winter Storm And Flooding |
| Claims by Event |
|
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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