38 School St, Apt 3, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 38 School St, Apt 3, Beverly, MA 01915

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 807 sqft · built 1900
Lot Size	0.066 acres (2,880 sqft)
Owner	Individual Name on Record
Last Sale	$412,000 (Feb 2025)
Tax Bill	$4,174 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12711`

Property Details

APN / Parcel Number

Primary APN	`12711`
Alternative APNs	`BEVE M:0004 B:0129 L:0003` `R6`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	3 Units
Stories	1 Story
Building Area	807 sqft Living Area
Gross Area	879 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,880 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	12711
Street Address	38 SCHOOL ST, 3
City	BEVERLY
State	MA
Zip	01915-4892
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R6
Legal Subdivision	38 SCHOOL STREET CONDO
Legal Block	129
Legal Lot Number	3
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	1
Census Block	1014
Census Tract	217402

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	Individual Name on Record
Mailing Address	38 SCHOOL ST, 3, BEVERLY, MA 01915-4892
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Jun 7, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANGOR SAVINGS BANK
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROSS MTG CO INC
Aug 15, 2017	Quit Claim Deed, Transfer CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2025 · Amount on Record
Deed Sale	Feb 26, 2025 · Amount on Record
Prior Sale	Jun 7, 2022 · Amount on Record
Deed Book / Page	42589 / 53
Record Updated	Oct 29, 2026

February 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Feb 26, 2025
Property Address	38 SCHOOL ST APT 3, 3, BEVERLY, MA 01915-4892
Document Number	0042589-53
Book / Page	42589 / 53
Instrument Date	Feb 26, 2025
Instrument	20250226001060
Transaction Type	Transfer
Record Updated	Mar 14, 2025

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
Relationship	Tenants by the Entirety
Address	38 SCHOOL ST APT 3, 3, BEVERLY, MA 01915-4892

Mortgage

Document Number	250226001070
Date	Feb 26, 2025
Instrument	250226001070

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0042589-83
Date	Feb 26, 2025
Book Page	42589/83
Instrument	20250226001080

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Jun 7, 2022
Property Address	38 SCHOOL ST APT 3, 3, BEVERLY, MA 01915-4892
Document Number	0040986-80
Book / Page	40986 / 80
Instrument Date	Jun 7, 2022
Instrument	20220607003360
Transaction Type	Transfer
Record Updated	Jun 24, 2022

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
Relationship	Tenants by the Entirety
Address	38 SCHOOL ST APT 3, 3, BEVERLY, MA 01915-4892

Mortgage

Document Number	220607003370
Date	Jun 7, 2022
Instrument	220607003370

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Type Change Date	Jul 1, 2032
Max Rate At Change	3%
Index	Other
Margin	3

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	38 SCHOOL ST APT 3, 3, BEVERLY, MA 01915-4892
Document Number	38989-111
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SCHOOL ST #3 BEVERLY MA 019154892, 3, BEVERLY, MA 01915-4892

Mortgage

Document Number	38989-111
Date	Sep 28, 2020
Book Page	038989/000111
Instrument	28005340

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Aug 15, 2017
Property Address	38 SCHOOL ST APT 3, 3, BEVERLY, MA 01915-4892
Document Number	36101-520
Book / Page	36101 / 520
Instrument	236
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.66
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	38 SCHOOL ST # 3, 3, BEVERLY, MA 01915-4892

Mortgage

Document Number	361010522
Date	Aug 15, 2017
Instrument	36101/0522

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

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
2025	$4,174.00 (+5.3%)	$379,800 (+7.59%) Building $379,800	$389,215
2024	$3,964.00 (+14.53%)	$353,000 (+14.83%) Building $353,000
2023	$3,461.00	$307,400 Building $307,400

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	3 in force

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 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile, Verizon.

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