40 Cliff St, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 40 Cliff St, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,289 sqft · built 1997
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on File
Last Sale	$1,224,900 (Oct 2024)
Tax Bill	$9,799 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`R6`

Property Details

APN / Parcel Number

Primary APN	`R6`
Alternative APNs	`BEVE M:0001 B:0017 L` `22`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,289 sqft Living Area
Gross Area	2,549 sqft
Basement Area	719 sqft
Unfinished Basement	719 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,587 sqft (0.266 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	22
Street Address	40 CLIFF ST
City	BEVERLY
State	MA
Zip	01915-4806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Block	17
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	1
Census Block	1006
Census Tract	217402

Owner

Source: Essex County and Beverly City assessment roll, as of April 14, 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 File
Mailing Address	40 CLIFF ST, BEVERLY, MA 01915-4806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK
Feb 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 7, 2024 · Amount on Record
Deed Sale	Oct 7, 2024 · Amount on Record
Prior Sale	Jul 31, 2008 · Amount on Record
Deed Document Number	20241590
Deed Book / Page	42362 / 422
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	40 CLIFF ST, BEVERLY, MA 01915-4806
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041145-192
Date	Aug 23, 2022
Book Page	41145/192
Instrument	8

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	40 CLIFF ST, BEVERLY, MA 01915-4806
Transaction Type	Mortgage
Record Updated	Feb 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39515-57
Date	Feb 10, 2021
Book Page	39515/57
Instrument	20210210004010

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	$9,799.00 (+5.87%)	$891,600 (+8.18%) Land $599,400 Building $292,200	$1,158,905
2024	$9,256.00 (+3.1%)	$824,200 (+3.37%) Land $532,000 Building $292,200
2023	$8,978.00	$797,300 Land $505,100 Building $292,200

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 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

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

Wildfire Risk	Not rated no burnable land within ember reach

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

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

May also be available: Verizon.

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