Essex County and Marblehead Town property record for 38 Orchard St, Marblehead, MA 01945
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,166 sqft · built 1941 |
| Lot Size | 0.191 acres (8,329 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $470,000 (Jun 2021) |
| Tax Bill | $10,885 (2026) |
| Deeds & Mortgages | Feb 2022 Refinance Feb 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MARB M:0090 B:0029 L:0 |
| Primary APN | MARB M:0090 B:0029 L:0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,166 sqft Living Area |
| Gross Area | 3,469 sqft |
| Basement Area | 690 sqft |
| Unfinished Basement | 345 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,329 sqft (0.191 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 38 ORCHARD ST |
|---|---|
| City | MARBLEHEAD |
| State | MA |
| Zip | 01945-2942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 29 |
| Jurisdiction | MARBLEHEAD MA |
| Township / Civil Division | MARBLEHEAD |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 203200 |
38 Orchard St is owned and occupied by two individuals who bought it in June 2021.
Source: Essex County and Marblehead Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 ORCHARD ST, MARBLEHEAD, MA 01945-2942 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance DREW MORTGAGE ASSOCIATES INC |
| Feb 15, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Oct 7, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 30, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DREW MORTGAGE ASSOCIATES INC |
| Oct 28, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Oct 8, 2019 | Deed of Trust, Mortgage · Line of Credit NATIONAL GRAND BK/MARBLEHEAD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2021 · Amount on File |
| Deed Sale | Jun 30, 2021 · Amount on File |
| Prior Sale | Jun 3, 1999 · Amount on File |
| Deed Book / Page | 40041 / 87 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 38 ORCHARD ST, MARBLEHEAD, MA 01945-2942 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040741-143 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 40741/143 |
| Instrument | 20220222002120 |
| Name | DREW MORTGAGE ASSOCIATES INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 38 ORCHARD ST, MARBLEHEAD, MA 01945-2942 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041439-305 |
|---|---|
| Date | Feb 15, 2023 |
| Book Page | 41439/305 |
| Instrument | 20230215002150 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 38 ORCHARD ST, MARBLEHEAD, MA 01945-2942 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042361-446 |
|---|---|
| Date | Oct 7, 2024 |
| Book Page | 42361/446 |
| Instrument | 20241007000110 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Recording Date | Jun 30, 2021 |
| Property Address | 38 ORCHARD ST, MARBLEHEAD, MA 01945-2942 |
| Document Number | 0040041-87 |
| Book / Page | 40041 / 87 |
| Instrument Date | Jun 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| 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 | Tenants by the Entirety |
| Address | 38 ORCHARD ST, MARBLEHEAD, MA 01945-2942 |
| Document Number | 0004004189 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 40041/89 |
| Name | DREW MORTGAGE ASSOCIATES INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Recording Date | Oct 28, 2020 |
| Property Address | 38 ORCHARD ST, MARBLEHEAD, MA 01945-2942 |
| Document Number | 39112-4 |
| Book / Page | 039112 / 000004 |
| Instrument Date | Oct 28, 2020 |
| Instrument | 28004000 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 38 ORCHARD ST MARBLEHEAD MA 019452942, MARBLEHEAD, MA 01945-2942 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 38 ORCHARD ST, MARBLEHEAD, MA 01945-2942 |
| Document Number | 37932-63 |
| Instrument Date | Oct 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 38 ORCHARD ST MARBLEHEAD MA 019452942, MARBLEHEAD, MA 01945-2942 |
| Document Number | 37932-63 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 037932/000063 |
| Instrument | 1015003300 |
| Name | NATIONAL GRAND BK/MARBLEHEAD |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 38 Orchard St was $10,885, up 1% 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 | $10,885.00 (+0.96%) | $1,271,600 (+6.74%) Land $937,200 Building $334,400 | $1,202,433 (-43.04%) |
| 2025 | $10,781.00 (-7.96%) | $1,191,300 (-8.88%) Land $886,500 Building $304,800 | $2,111,090 |
| 2024 | $11,714.00 (+10.63%) | $1,307,400 (+23.48%) Land $1,013,200 Building $294,200 | |
| 2023 | $10,588.00 | $1,058,800 Land $823,200 Building $235,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Orchard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
The area around 38 Orchard 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 306 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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