40 Bow St, Apt 3, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 40 Bow St, Apt 3, Beverly, MA 01915

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,038 sqft · built 1920
Lot Size	0.062 acres (2,740 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Jun 2021)
Tax Bill	$4,314 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`12635`

Property Details

APN / Parcel Number

Primary APN	`12635`
Alternative APNs	`BEVE M:0011 B:0199 L:0003` `RHD`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Units	3 Units
Stories	1 Story
Building Area	1,038 sqft Living Area
Gross Area	1,231 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,740 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	12635
Street Address	40 BOW ST, 3
City	BEVERLY
State	MA
Zip	01915-4584
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RHD
Legal Block	199
Legal Lot Number	3
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	2
Census Block	2004
Census Tract	217401

Owner

Source: Essex County and Beverly City 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	Individual Name on Record
Mailing Address	40 BOW ST, 3, BEVERLY, MA 01915-4584
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Condominium Deed, Transfer · Stand-Alone First Mortgage EVOLVE BANK & TRUST
Sep 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Prior Sale	Jun 29, 2016 · Amount on Record
Deed Book / Page	39951 / 453
Transfer Doc	35045-190
Record Updated	Oct 29, 2026

June 2021: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	BEVERLY MA
Recording Date	Jun 4, 2021
Property Address	40 BOW ST APT 3, 3, BEVERLY, MA 01915-4584
Document Number	039951-453
Book / Page	39951 / 453
Instrument Date	Jun 4, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
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
Address	40 BOW ST APT 3, 3, BEVERLY, MA 01915-4584

Mortgage

Document Number	0039951456
Date	Jun 4, 2021
Instrument	39951/456

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	40 BOW ST APT 3, 3, BEVERLY, MA 01915-4584
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38951-363
Date	Sep 18, 2020
Book Page	38951/363
Instrument	20200918002330

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2045

Tax Assessment & Valuation

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	$4,314.00 (+6.02%)	$392,500 (+8.34%) Building $392,500	$417,430
2024	$4,069.00 (+8.86%)	$362,300 (+9.13%) Building $362,300
2023	$3,738.00	$332,000 Building $332,000

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

Flood

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.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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 632 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: Verizon.

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