Essex County and Merrimac Town property record for 4 Spring St, Merrimac, MA 01860
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,880 sqft · built 1906 |
| Lot Size | 0.405 acres (17,642 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Aug 2016) |
| Tax Bill | $7,340 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MERR M:0005 B:0006 L:00002 |
| Primary APN | MERR M:0005 B:0006 L:00002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,880 sqft Living Area |
| Gross Area | 2,860 sqft |
| Basement Area | 552 sqft |
| Unfinished Basement | 552 sqft |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Colonial |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,642 sqft (0.405 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 4 SPRING ST |
|---|---|
| City | MERRIMAC |
| State | MA |
| Zip | 01860-1427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 6 |
| Legal Lot Number | 2 |
| Jurisdiction | MERRIMAC MA |
| Township / Civil Division | MERRIMAC |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 262100 |
Source: Essex County and Merrimac Town 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4 SPRING ST, MERRIMAC, MA 01860-1427 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Oct 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Mar 10, 2026 | Deed of Trust, Mortgage WEBSTER FIRST FCU |
| Oct 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2016 · Amount on Record |
| Deed Sale | Aug 1, 2016 · Amount on Record |
| Prior Sale | Aug 26, 2011 · Amount on Record |
| Deed Book / Page | 35133 / 373 |
| Transfer Doc | 035133-373 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 4 SPRING ST, MERRIMAC, MA 01860-1427 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039811-125 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 39811/125 |
| Instrument | 20210427004640 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 4 SPRING ST, MERRIMAC, MA 01860-1427 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040380-219 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 40380/219 |
| Instrument | 20211014004920 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 4 SPRING ST, MERRIMAC, MA 01860-1427 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00043263-3 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 43263/3 |
| Instrument | 570 |
| Name | WEBSTER FIRST FCU |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERRIMAC MA |
| Property Address | 4 SPRING ST, MERRIMAC, MA 01860-1427 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40380-219 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 40380/219 |
| Instrument | 20211014004920 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
Source: Essex County and Merrimac Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Merrimac Town |
| Unified School District | Pentucket School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,340.00 (+1.05%) | $556,500 (+1.51%) Land $298,200 Building $256,300 | $629,605 (+10.62%) |
| 2025 | $7,264.00 (+2.51%) | $548,200 (+4.44%) Land $298,200 Building $250,000 | $569,145 |
| 2024 | $7,086.00 (+8.93%) | $524,900 (+19.19%) Land $281,700 Building $243,200 | |
| 2023 | $6,505.00 | $440,400 Land $238,600 Building $201,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MERRIMAC WATER DEPARTMENT serves 6,988 people · EPA ID MA3180000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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