40 E Main St, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 40 E Main St, Merrimac, MA 01860

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 2,078 sqft · built 1821
Lot Size	0.984 acres (42,895 sqft)
Owner	Individual Name on Record
Last Sale	$388,000 (Aug 2022)
Tax Bill	$5,880 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0017 B:0001 L:018-B`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0017 B:0001 L:018-B`
Alternative APN	`M:0017 B:0001 L:018=B`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,078 sqft Living Area
Gross Area	3,942 sqft
Basement Area	944 sqft
Unfinished Basement	944 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1821
Effective Year Built	Effective 1997
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,895 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	40 E MAIN ST
City	MERRIMAC
State	MA
Zip	01860-2022
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	AR
Legal Block	1
Legal Lot Number	18-B
Jurisdiction	MERRIMAC MA
Township / Civil Division	MERRIMAC
Census Block Group	2
Census Block	2012
Census Tract	262100

Owner

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	Individual Name on Record
Mailing Address	40 E MAIN ST, MERRIMAC, MA 01860-2022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit PEOPLES UNITED BANK
Aug 2, 2022	Condominium Deed, Transfer
Jun 15, 2017	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2022 · Amount on Record
Deed Sale	Aug 2, 2022 · Amount on Record
Prior Sale	Jun 15, 2017 · Amount on Record
Deed Book / Page	41107 / 24
Transfer Doc	0035944-31
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	40 E MAIN ST, MERRIMAC, MA 01860-2022
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	041006-491
Date	Jun 16, 2022
Book Page	41006/491
Instrument	20220616003780

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	MERRIMAC MA
Recording Date	Aug 2, 2022
Property Address	40 E MAIN ST, MERRIMAC, MA 01860-2022
Document Number	0041107-24
Book / Page	41107 / 24
Instrument Date	Jul 26, 2022
Instrument	20220802002740
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	42 E MAIN ST # A, A, MERRIMAC, MA 01860-2022

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERRIMAC MA
Recording Date	Jun 15, 2017
Property Address	40 E MAIN ST, MERRIMAC, MA 01860-2022
Document Number	35944-31
Book / Page	035944 / 000031
Instrument Date	Jun 12, 2017
Instrument	1706150353
Transaction Type	Transfer
Record Updated	Jul 4, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,035.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 E MAIN ST #B MERRIMAC MA 018602022, B, MERRIMAC, MA 01860-2022

Mortgage

Document Number	35944-33
Date	Jun 15, 2017
Book Page	035944/000033
Instrument	1706150354

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2047

Tax Assessment & Valuation

Source: Essex County and Merrimac Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Merrimac Town
Unified School District	Pentucket School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,880.00 (+9.76%)	$445,800 (+10.26%) Building $445,200	$471,552 (+7.56%)
2025	$5,357.00 (+5.08%)	$404,300 (+7.07%) Building $404,300	$438,425
2024	$5,098.00 (+18.2%)	$377,600 (+29.32%) Building $377,600
2023	$4,313.00	$292,000 Building $292,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	7 (2006–2023)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 4 claims

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 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.

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