38 McKay St, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 38 McKay St, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,310 sqft · built 1960
Lot Size	0.228 acres (9,914 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Jun 2013)
Tax Bill	$6,867 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0029 B:0167 L` `5958`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,310 sqft Living Area
Gross Area	2,932 sqft
Basement Area	1,310 sqft
Unfinished Basement	1,310 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,914 sqft (0.228 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	5958
Street Address	38 MCKAY ST
City	BEVERLY
State	MA
Zip	01915-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	167
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	1
Census Block	1003
Census Tract	217202

Owner

Source: Essex County and Beverly City 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	38 MCKAY ST, BEVERLY, MA 01915-3010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Feb 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Apr 20, 2017	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Dec 10, 2018	Deed of Trust, Mortgage · Balloon Mortgage SALEM FIVE CENTS SAVINGS BANK
Feb 5, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2013 · Amount on Record
Deed Sale	Jun 14, 2013 · Amount on Record
Deed Book / Page	32560 / 437
Last Transfer Date	Feb 1, 2021
Transfer Doc	0039497-19
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Recording Date	Aug 12, 2026
Property Address	38 MCKAY ST, BEVERLY, MA 01915-3010
Document Number	0000002640
Book / Page	43566 / 215
Instrument Date	Jul 15, 2026
Instrument	20262640
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 MCKAY ST, BEVERLY, MA 01915-3010

Mortgage

Document Number	0000002640,
Date	Aug 12, 2026
Book Page	43566/215
Instrument	20262640

Lender

Name	SALEM FIVE CENTS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	38 MCKAY ST, BEVERLY, MA 01915-3010
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0039497-21
Date	Feb 5, 2021
Book Page	39497/21
Instrument	20210205001790

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	38 MCKAY ST, BEVERLY, MA 01915-3010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35809-334
Date	Apr 20, 2017
Book Page	35809/334
Instrument	23

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2037

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	38 MCKAY ST, BEVERLY, MA 01915-3010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37206-314
Date	Dec 10, 2018
Book Page	37206/314
Instrument	20181210003150

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Feb 5, 2021
Property Address	38 MCKAY ST, BEVERLY, MA 01915-3010
Document Number	0039497-19
Book / Page	39497 / 19
Instrument Date	Feb 1, 2021
Instrument	20210205001780
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38 MCKAY ST, BEVERLY, MA 01915-3010
Investor	Possibly a Property Investor

Mortgage

Document Number	0039497-21
Date	Feb 5, 2021
Book Page	39497/21
Instrument	20210205001790

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,867.00 (+3.31%)	$635,200 (+5.03%) Land $402,600 Building $232,600	$696,703 (+15.8%)
2025	$6,647.00 (+4.41%)	$604,800 (+6.69%) Land $372,200 Building $232,600	$601,635
2024	$6,366.00 (+3.95%)	$566,900 (+4.23%) Land $334,300 Building $232,600
2023	$6,124.00	$543,900 Land $311,500 Building $232,400

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1990–2022)
Most Recent Claim	Dec 2022 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	BEVERLY WATER DEPT serves 47,461 people · EPA ID MA3030000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Nov 2025

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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