4 Independence Cir, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 4 Independence Cir, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,208 sqft · built 1995
Lot Size	0.347 acres (15,128 sqft)
Owner	2 Individual Names on File
Last Sale	$910,000 (Nov 2023)
Tax Bill	$9,855 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11840`

Property Details

APN / Parcel Number

Primary APN	`11840`
Alternative APNs	`BEVE M:0084 B:025P L` `R15`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	3,590 sqft
Basement Area	1,272 sqft
Unfinished Basement	1,272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,128 sqft (0.347 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	11840
Street Address	4 INDEPENDENCE CIR
City	BEVERLY
State	MA
Zip	01915-1578
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Block	25P
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	1
Census Block	1014
Census Tract	217601

Owner

4 Independence Cir is owned and occupied by two individuals who bought it in November 2023.

Source: Essex County and Beverly City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4 INDEPENDENCE CIR, BEVERLY, MA 01915-1578
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

Date	Document
Nov 17, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHERN HOME LOANS LLC
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit NORTHERN HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2023 · Amount on File
Deed Sale	Nov 17, 2023 · Amount on File
Prior Sale	Dec 12, 1994 · Amount on File
Deed Document Number	20234510
Deed Book / Page	41866 / 542
Record Updated	Oct 29, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Nov 17, 2023
Property Address	4 INDEPENDENCE CIR, BEVERLY, MA 01915-1578
Document Number	041866-542
Book / Page	41866 / 542
Instrument Date	Nov 17, 2023
Instrument	20231117004510
Transaction Type	Transfer
Record Updated	Dec 8, 2023

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
Relationship	Tenants by the Entirety
Address	4 INDEPENDENCE CIR, BEVERLY, MA 01915-1578

Mortgage

Document Number	231117004520
Date	Nov 17, 2023
Instrument	231117004520

Lender

Name	NORTHERN HOME LOANS LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 1, 2030
Max Rate At Change	2.75%
Index	1-Year CMT

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	4 INDEPENDENCE CIR, BEVERLY, MA 01915-1578
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041761-197
Date	Sep 15, 2023
Book Page	41761/197
Instrument	20230915000360

Lender

Name	NORTHERN HOME LOANS LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4 Independence Cir was $9,855, up 2.3% from the year before.

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	$9,855.00 (+2.32%)	$896,700 (+4.55%) Land $515,100 Building $381,600	$975,080
2024	$9,632.00 (+5.49%)	$857,700 (+5.77%) Land $476,100 Building $381,600
2023	$9,131.00	$810,900 Land $429,300 Building $381,600

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

Flood

FEMA maps place 4 Independence Cir in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone A, 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

Wildfire risk around 4 Independence Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Independence Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures