4 Garden Rd, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 4 Garden Rd, Marblehead, MA 01945 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 1950
Lot Size	0.145 acres (6,316 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Aug 2018)
Tax Bill	$6,834 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jun 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0026 B:0021 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0026 B:0021 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,548 sqft Living Area
Gross Area	2,788 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,316 sqft (0.145 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 GARDEN RD
City	MARBLEHEAD
State	MA
Zip	01945-2711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	21
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	3
Census Block	3003
Census Tract	203100

Owner

Source: Essex County and Marblehead Town records · APN MARB M:0026 B:0021 L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	4 GARDEN RD, MARBLEHEAD, MA 01945-2711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 01, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY CREDIT UNION LYNN
Oct 07, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY CREDIT UNION LYNN
Jun 01, 2020	Deed of Trust, Mortgage · Balloon Mortgage COMMUNITY CREDIT UNION LYNN
Aug 31, 2018	Quit Claim Deed, Transfer COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 31, 2018 · Amount on Record
Deed Sale	Aug 31, 2018 · Amount on Record
Prior Sale	Jul 09, 2007 · Amount on Record
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	4 GARDEN RD, MARBLEHEAD, MA 01945-2711
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000664492
Date	Feb 12, 2026
Instrument	664492

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 01, 2051

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	4 GARDEN RD, MARBLEHEAD, MA 01945-2711
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000612570
Date	Jun 01, 2020
Instrument	612570

Lender

Name	COMMUNITY CREDIT UNION LYNN

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	4 GARDEN RD, MARBLEHEAD, MA 01945-2711
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000606141
Date	Oct 07, 2019
Instrument	606141

Lender

Name	COMMUNITY CREDIT UNION LYNN

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	4 GARDEN RD, MARBLEHEAD, MA 01945-2711
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000612571
Date	Jun 01, 2020
Instrument	612571

Lender

Name	COMMUNITY CREDIT UNION LYNN

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARBLEHEAD MA
Recording Date	Aug 31, 2018
Property Address	4 GARDEN RD, MARBLEHEAD, MA 01945-2711
Document Number	0000595618
Instrument	595618
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$50.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Date	Aug 31, 2018

Lender

Name	COMMUNITY CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 31, 2048

Tax Assessment & Valuation

Source: Essex County and Marblehead Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Marblehead Town
Unified School District	Marblehead School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,834.00 (+9.78%)	$755,100 (+8.68%) Land $538,200 Building $216,900	$748,790
2024	$6,225.00 (-0.86%)	$694,800 (+10.65%) Land $550,200 Building $144,600
2023	$6,279.00	$627,900 Land $484,400 Building $143,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092031003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 19 individual NFIP policies nearby
Nearby Flood Policies	19 in force
Nearby Flood Claims	17 (1978–2019)
Claims Outside the SFHA	1 of 17
Most Recent Claim	Jan 2019, rainfall accumulation
Claims By Storm	Winter Coastal Storm, Dec 1992 · 2 claims Coastal Storm, Oct 1991 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 317 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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