Essex County and Marblehead Town property record for 38 Lafayette St, Marblehead, MA 01945
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,179 sqft · built 1942 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $725,000 (Jun 2025) |
| Tax Bill | $5,324 (2026) |
| Deeds & Mortgages | Apr 2025 Line of Credit Jun 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MARB M:0060 B:0040 L:0 |
| Primary APN | MARB M:0060 B:0040 L:0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,179 sqft Living Area |
| Gross Area | 2,103 sqft |
| Basement Area | 660 sqft |
| Unfinished Basement | 660 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,001 sqft (0.115 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 38 LAFAYETTE ST |
|---|---|
| City | MARBLEHEAD |
| State | MA |
| Zip | 01945-1941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 40 |
| Jurisdiction | MARBLEHEAD MA |
| Township / Civil Division | MARBLEHEAD |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 203100 |
38 Lafayette St is owned and occupied by two individuals who bought it in June 2025.
Source: Essex County and Marblehead Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 LAFAYETTE ST, MARBLEHEAD, MA 01945-1941 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 10, 2025 | Deed of Trust, Mortgage · Line of Credit BANGOR SAVINGS BANK |
| Jun 23, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage M & T BANK |
| Jul 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Oct 6, 2017 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2025 · Amount on File |
| Deed Sale | Jun 23, 2025 · Amount on File |
| Prior Sale | May 27, 2016 · Amount on File |
| Deed Document Number | 20253160 |
| Deed Book / Page | 42788 / 532 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 38 LAFAYETTE ST, MARBLEHEAD, MA 01945-1941 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042655-327 |
|---|---|
| Date | Apr 10, 2025 |
| Book Page | 42655/327 |
| Instrument | 20250410000550 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Recording Date | Jun 23, 2025 |
| Property Address | 38 LAFAYETTE ST, MARBLEHEAD, MA 01945-1941 |
| Document Number | 042788-532 |
| Book / Page | 42788 / 532 |
| Instrument Date | Jun 23, 2025 |
| Instrument | 20250623003160 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 38 LAFAYETTE ST, MARBLEHEAD, MA 01945-1941 |
| Document Number | 20250623003170 |
|---|---|
| Date | Jun 23, 2025 |
| Instrument | 20250623003170 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 38 LAFAYETTE ST, MARBLEHEAD, MA 01945-1941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38704-603 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 38704/603 |
| Instrument | 20200713002910 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 38 LAFAYETTE ST, MARBLEHEAD, MA 01945-1941 |
| Document Number | 36247-147 |
| Book / Page | 036247 / 000147 |
| Instrument Date | Oct 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2017 |
| Name | Verified Name |
|---|
| Document Number | 36247-147 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 036247/000147 |
| Instrument | 1710120322 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 11, 2047 |
The 2026 property tax bill for 38 Lafayette St was $5,324, down 6.2% from the year before.
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 | $5,324.00 (-6.23%) | $622,000 (-0.86%) Land $437,000 Building $179,600 | $683,527 (-0.07%) |
| 2025 | $5,678.00 (+21.2%) | $627,400 (+19.98%) Land $460,000 Building $167,400 | $684,000 |
| 2024 | $4,685.00 (-12.23%) | $522,900 (-2.04%) Land $414,000 Building $108,900 | |
| 2023 | $5,338.00 | $533,800 Land $414,000 Building $119,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Lafayette St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 | 1 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Jan 1979 · rainfall accumulation |
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.
The area around 38 Lafayette St has no burnable land within ember reach, so its wildfire risk is not rated.
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 725 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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