4 Cliff St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 4 Cliff St, Salem, MA 01970

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,036 sqft · built 1900
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Jul 2018)
Tax Bill	$7,254 (2026)
Deeds & Mortgages	Apr 2020 Refinance Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SALE M:33 L:0714`

Property Details

APN / Parcel Number

Primary APN	`SALE M:33 L:0714`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,036 sqft Living Area
Gross Area	4,545 sqft
Basement Area	1,024 sqft
Unfinished Basement	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,800 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	4 CLIFF ST
City	SALEM
State	MA
Zip	01970-5414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	714
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	1
Census Block	1002
Census Tract	204101

Owner

Source: Essex County and Salem 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	4 CLIFF ST, SALEM, MA 01970-5414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK
Jul 31, 2018	Quit Claim Deed, Transfer · Conventional Mortgage FIRST CHOICE LN SVCS
Jul 28, 2017	Deed of Trust, Mortgage · VA Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2018 · Amount on Record
Deed Sale	Jul 31, 2018 · Amount on Record
Prior Sale	May 17, 2017 · Amount on Record
Deed Book / Page	36906 / 156
Transfer Doc	036906-156
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	4 CLIFF ST, SALEM, MA 01970-5414
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38454-331
Date	Apr 27, 2020
Book Page	38454/331
Instrument	20200427002180

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Jul 31, 2018
Property Address	4 CLIFF ST, SALEM, MA 01970-5414
Document Number	36906-156
Book / Page	036906 / 000156
Instrument Date	Jul 30, 2018
Instrument	1807316520
Transaction Type	Transfer
Record Updated	Aug 21, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,732.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CLIFF ST SALEM MA 019705414, SALEM, MA 01970-5414

Mortgage

Document Number	36906-159
Date	Jul 31, 2018
Book Page	036906/000159
Instrument	1807316530

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	4 CLIFF ST, SALEM, MA 01970-5414
Document Number	36071-281
Book / Page	036071 / 000281
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36071-281
Date	Aug 2, 2017
Book Page	036071/000281
Instrument	1708020005

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,254.00 (+5.48%)	$672,900 (+10.97%) Land $226,900 Building $445,400	$709,263 (-2.85%)
2025	$6,877.00 (+3.65%)	$606,400 (+6.2%) Land $204,200 Building $402,200	$730,075
2024	$6,635.00 (+4.32%)	$571,000 (+12.31%) Land $194,000 Building $377,000
2023	$6,360.00	$508,400 Land $179,100 Building $329,300

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
Flood Insurance Cost	Premium on Record median of 10 individual policies
Nearby Flood Policies	16 units insured incl. 6 condo units
Nearby Flood Claims	10 (1979–2018)
Claims Outside the SFHA	2 of 10
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 4 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	SALEM WATER DEPARTMENT serves 44,480 people · EPA ID MA3258000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Dec 2024

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 810 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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