4 Locust St, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 4 Locust St, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,405 sqft · built 1900
Lot Size	0.094 acres (4,077 sqft)
Owner	2 Company Names on File
Tax Bill	$6,991 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0021 B:0294 L` `5150`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,405 sqft Living Area
Gross Area	2,278 sqft
Basement Area	680 sqft
Unfinished Basement	680 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,077 sqft (0.094 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5150
Street Address	4 LOCUST ST
City	BEVERLY
State	MA
Zip	01915-3706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	294
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	2
Census Block	2007
Census Tract	217500

Owner

Source: Essex County and Beverly City records · APN R10

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 Company Names on File
Mailing Address	245 LOTHROP ST, BEVERLY, MA 01915-3741
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Sep 06, 2024
Transfer Doc	042347-372
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	4 LOCUST ST, BEVERLY, MA 01915-3706
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38289-232
Date	Feb 26, 2020
Book Page	38289/232
Instrument	20200226002590

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2035

Tax Assessment & Valuation

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

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	$6,991.00 (+7.16%)	$636,100 (+9.5%) Land $430,700 Building $205,400	$677,730
2024	$6,524.00 (+4.72%)	$580,900 (+4.99%) Land $375,500 Building $205,400
2023	$6,230.00	$553,300 Land $347,900 Building $205,400

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 250092175002, 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	27 (1978–2011)
Claims Outside the SFHA	7 of 27
Most Recent Claim	Oct 2011 · other causes
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 4 claims Winter Coastal Storm, Dec 1992 · 3 claims Coastal Storm, Oct 1991 · 4 claims

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
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 · sampled at 430 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	BEVERLY WATER DEPT serves 47,461 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.