34 Harbor St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 34 Harbor St, Salem, MA 01970

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 2,279 sqft · built 1920
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Oct 2019)
Tax Bill	$6,960 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SALE M:34 L:0315`

Property Details

APN / Parcel Number

Primary APN	`SALE M:34 L:0315`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,279 sqft Living Area
Gross Area	4,147 sqft
Basement Area	1,003 sqft
Unfinished Basement	1,003 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	34 HARBOR ST
City	SALEM
State	MA
Zip	01970-6073
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Subdivision	HOUSELOTS SALEM
Legal Lot Number	315
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	3
Census Block	3010
Census Tract	204300

Owner

Source: Essex County and Salem City 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	2 Individual Names on Record
Mailing Address	34 HARBOR ST, SALEM, MA 01970-6073
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Line of Credit TD BANK
Jun 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 16, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2019 · Amount on Record
Deed Sale	Oct 16, 2019 · Amount on Record
Prior Sale	Feb 11, 2000 · Amount on Record
Deed Book / Page	37936 / 369
Prior Transfer Date	Oct 15, 2019
Prior Transfer Doc	3793000369
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Recording Date	Sep 2, 2026
Property Address	34 HARBOR ST, SALEM, MA 01970-6073
Document Number	0000000370
Book / Page	43606 / 417
Instrument Date	Aug 26, 2026
Instrument	2026370
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 HARBOR ST, SALEM, MA 01970-6073

Mortgage

Document Number	0000000370,
Date	Sep 2, 2026
Book Page	43606/417
Instrument	2026370

Lender

Name	TD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	34 HARBOR ST, SALEM, MA 01970-6073
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040000-387
Date	Jun 21, 2021
Book Page	40000/387
Instrument	20210621004230

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Oct 16, 2019
Property Address	34 HARBOR ST, SALEM, MA 01970-6073
Document Number	37936-369
Book / Page	37936 / 369
Instrument Date	Oct 15, 2019
Instrument	20191016001940
Transaction Type	Transfer
Record Updated	May 12, 2021

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	34 HARBOR ST, SALEM, MA 01970-6073

Mortgage

Document Number	191016001950
Date	Oct 16, 2019
Instrument	191016001950

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Essex County and Salem City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Salem City
Unified School District	Salem School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,960.00 (+10.41%)	$645,600 (+16.14%) Land $167,600 Building $478,000	$789,296
2025	$6,304.00 (+3.12%)	$555,900 (+5.66%) Land $140,500 Building $415,400
2024	$6,113.00 (+4.91%)	$526,100 (+12.95%) Land $140,500 Building $385,600
2023	$5,827.00	$465,800 Land $124,000 Building $341,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow

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	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	SALEM WATER DEPARTMENT serves 44,480 people · EPA ID MA3258000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Dec 2024

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 713 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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