4 Apple St, Haverhill, MA 01832 Property Records

Essex County and Haverhill City property record for 4 Apple St, Haverhill, MA 01832

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 2,043 sqft · built 1900
Lot Size	0.074 acres (3,228 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Oct 2020)
Tax Bill	$4,872 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`523-324-2`

Property Details

APN / Parcel Number

Primary APN	`523-324-2`
Alternative APN	`HAVE M:0523 B:00324 L:2`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,043 sqft Living Area
Gross Area	3,768 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,228 sqft (0.074 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	523-324-2
Street Address	4 APPLE ST
City	HAVERHILL
State	MA
Zip	01832-3813
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	ELLSWORTH R DUFRESNE HAVERHILL
Legal Block	324
Legal Lot Number	2
Jurisdiction	HAVERHILL MA
Township / Civil Division	HAVERHILL
Census Block Group	1
Census Block	1006
Census Tract	260700

Owner

4 Apple St, a duplex, is owned and occupied by an individual who bought it in October 2020.

Source: Essex County and Haverhill City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	4 APPLE ST, HAVERHILL, MA 01832-3813
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2020 · Amount on File
Deed Sale	Oct 23, 2020 · Amount on File
Deed Book / Page	39094 / 202
Prior Transfer Date	Oct 19, 2020
Prior Transfer Doc	39094-202
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	Oct 23, 2020
Property Address	4 APPLE ST, HAVERHILL, MA 01832-3813
Document Number	39094-202
Book / Page	39094 / 202
Instrument Date	Oct 19, 2020
Instrument	20201023004370
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	4 APPLE ST, HAVERHILL, MA 01832-3813

Mortgage

Document Number	201023004400
Date	Oct 23, 2020
Instrument	201023004400

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4 Apple St was $4,872, up 8.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,872.00 (+8.56%)	$454,900 (+7.85%) Land $132,500 Building $322,400	$563,582
2024	$4,488.00 (+2.54%)	$421,800 (+7.44%) Land $123,700 Building $298,100
2023	$4,377.00	$392,600 Land $123,700 Building $268,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4 Apple St in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · 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

The area around 4 Apple 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HAVERHILL WATER DEPT serves 61,277 people · EPA ID MA3128000
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 520 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: Verizon.

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