4 Central St, Haverhill, MA 01832 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 3,507 sqft · built 1910
Lot Size	0.121 acres (5,288 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,000 (Aug 2022)
Tax Bill	$7,477 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`500-226-26`

Property Details

APN / Parcel Number

Primary APN	`500-226-26`
Alternative APN	`HAVE M:0500 B:00226 L:26`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,507 sqft Living Area
Gross Area	5,060 sqft
Basement Area	1,373 sqft
Unfinished Basement	1,373 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	5,288 sqft (0.121 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	500-226-26
Street Address	4 CENTRAL ST
City	HAVERHILL
State	MA
Zip	01832-5409
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	226
Legal Lot Number	26
Jurisdiction	HAVERHILL MA
Township / Civil Division	HAVERHILL
Census Block Group	2
Census Block	2006
Census Tract	260800

Owner

Source: Essex County and Haverhill 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	4 CENTRAL ST, HAVERHILL, MA 01832-5409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Quit Claim Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jan 11, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PROBUILDER FINANCIAL LLC
Dec 17, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Prior Sale	Jan 11, 2022 · Amount on Record
Deed Book / Page	41163 / 143
Record Updated	Oct 29, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	Aug 31, 2022
Property Address	4 CENTRAL ST, HAVERHILL, MA 01832-5409
Document Number	041163-143
Book / Page	41163 / 143
Instrument Date	Aug 31, 2022
Instrument	304
Transaction Type	Transfer
Record Updated	Feb 9, 2026

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	Joint Tenants with Right of Survivorship
Address	4 CENTRAL ST, HAVERHILL, MA 01832-5409

Mortgage

Document Number	0000000305
Date	Aug 31, 2022
Instrument	305

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	Jan 11, 2022
Property Address	4 CENTRAL ST, HAVERHILL, MA 01832-5409
Document Number	040649-164
Book / Page	40649 / 164
Instrument Date	Jan 11, 2022
Instrument	20220111004350
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
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 in Common
Address	64 COGSWELL ST, HAVERHILL, MA 01832-2512
Investor	Possibly a Property Investor

Mortgage

Document Number	220111004360
Date	Jan 11, 2022
Instrument	220111004360

Lender

Name	PROBUILDER FINANCIAL LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	Dec 17, 2021
Property Address	4 CENTRAL ST, HAVERHILL, MA 01832-5409
Document Number	040585-221
Book / Page	40585 / 221
Instrument Date	Dec 17, 2021
Instrument	20211217003340
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
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 in Common
Address	85 S MAIN ST, NEWTON, NH 03858-3718
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$7,477.00 (+12.03%)	$698,100 (+11.29%) Land $136,100 Building $562,000	$736,809
2024	$6,674.00 (+9.64%)	$627,300 (+14.91%) Land $134,700 Building $492,600
2023	$6,087.00	$545,900 Land $123,200 Building $422,700

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	15 units insured incl. 6 condo units
Nearby Flood Claims	18 (1978–2010)
Claims Outside the SFHA	6 of 18
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 6 claims Severe Storms And Flooding, May 2006 · 6 claims Severe Storms & Flooding, Apr 1987 · 3 claims

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	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 679 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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