4 Orchard St, Beverly, MA 01915 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,436 sqft · built 1880
Lot Size	0.103 acres (4,495 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Apr 2009)
Tax Bill	$7,024 (2025)
Deeds & Mortgages	Jan 2022 Refinance Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0012 B:0154 L` `3177`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,436 sqft Living Area
Gross Area	2,426 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,495 sqft (0.103 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	3177
Street Address	4 ORCHARD ST
City	BEVERLY
State	MA
Zip	01915-4636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	154
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	1
Census Block	1018
Census Tract	217500

Owner

4 Orchard St is owned and occupied by an individual who bought it in April 2009.

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

Owner of Record	Individual Name on File
Mailing Address	4 ORCHARD ST, BEVERLY, MA 01915-4636
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
Jan 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Oct 5, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 13, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2009 · Amount on File
Deed Sale	Apr 24, 2009 · Amount on File
Deed Book / Page	28517 / 550
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	4 ORCHARD ST, BEVERLY, MA 01915-4636
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040692-218
Date	Jan 31, 2022
Book Page	40692/218
Instrument	20220131001170

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	4 ORCHARD ST, BEVERLY, MA 01915-4636
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40349-27
Date	Oct 5, 2021
Book Page	40349/27
Instrument	20211005001000

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	4 ORCHARD ST, BEVERLY, MA 01915-4636
Document Number	37902-106
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ORCHARD ST BEVERLY MA 019154636, BEVERLY, MA 01915-4636

Mortgage

Document Number	37902-106
Date	Oct 3, 2019
Book Page	037902/000106
Instrument	1003000660

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	4 ORCHARD ST, BEVERLY, MA 01915-4636
Document Number	37794-97
Instrument Date	Aug 21, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ORCHARD ST BEVERLY MA 019154636, BEVERLY, MA 01915-4636

Mortgage

Document Number	37794-97
Date	Aug 28, 2019
Book Page	037794/000097
Instrument	1908285190

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4 Orchard St was $7,024, up 7.1% 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	$7,024.00 (+7.14%)	$639,100 (+9.47%) Land $431,700 Building $207,400	$663,670
2024	$6,556.00 (+4.69%)	$583,800 (+4.98%) Land $376,400 Building $207,400
2023	$6,262.00	$556,100 Land $348,700 Building $207,400

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

Flood

FEMA maps place 4 Orchard St 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	8 in force
Nearby Flood Claims	3 (1978–2024)
Most Recent Claim	Jan 2024 · rainfall accumulation

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 Orchard St is low, with less than 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 430 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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