40 Cogswell Ave, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 40 Cogswell Ave, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,484 sqft · built 1960
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Dec 2015)
Tax Bill	$6,885 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`10807`

Property Details

APN / Parcel Number

Primary APN	`10807`
Alternative APNs	`BEVE M:0085 B:0031 L` `R15`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,484 sqft Living Area
Gross Area	2,720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	10807
Street Address	40 COGSWELL AVE
City	BEVERLY
State	MA
Zip	01915-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Block	31
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	1
Census Block	1010
Census Tract	217601

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 COGSWELL AVE, BEVERLY, MA 01915-1502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Nov 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Sep 16, 2019	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2015 · Amount on Record
Deed Sale	Dec 15, 2015 · Amount on Record
Prior Sale	Feb 28, 2006 · Amount on Record
Deed Book / Page	34590 / 502
Transfer Doc	034590-502
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	40 COGSWELL AVE, BEVERLY, MA 01915-1502
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039955-368
Date	Jun 7, 2021
Book Page	39955/368
Instrument	20210607005100

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jul 1, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	40 COGSWELL AVE, BEVERLY, MA 01915-1502
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040857-362
Date	Apr 12, 2022
Book Page	40857/362
Instrument	20220412001940

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	40 COGSWELL AVE, BEVERLY, MA 01915-1502
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041844-572
Date	Nov 6, 2023
Book Page	41844/572
Instrument	20231106000800

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	40 COGSWELL AVE, BEVERLY, MA 01915-1502
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043144-21
Date	Dec 22, 2025
Book Page	43144/21
Instrument	20251222001300

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	337 Months
Due	Jan 1, 2054

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	40 COGSWELL AVE, BEVERLY, MA 01915-1502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37845-302
Date	Sep 16, 2019
Book Page	37845/302
Instrument	20190916004670

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	40 COGSWELL AVE, BEVERLY, MA 01915-1502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38262-344
Date	Feb 13, 2020
Book Page	38262/344
Instrument	20200213003610

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$6,885.00 (+4%)	$626,500 (+6.28%) Land $377,400 Building $249,100	$615,315
2024	$6,620.00 (+7.38%)	$589,500 (+7.67%) Land $340,400 Building $249,100
2023	$6,165.00	$547,500 Land $303,400 Building $244,100

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 A, within 500 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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 311 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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