40 Locust St, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 40 Locust St, Marblehead, MA 01945

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,238 sqft · built 1885
Lot Size	0.842 acres (36,695 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,503,000 (Jul 2022)
Tax Bill	$26,132 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0067 B:0013 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0067 B:0013 L:0`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,238 sqft Living Area
Gross Area	9,072 sqft
Basement Area	752 sqft
Unfinished Basement	752 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,695 sqft (0.842 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 LOCUST ST
City	MARBLEHEAD
State	MA
Zip	01945-2938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Subdivision	SETH F LOW
Legal Block	13
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	4
Census Block	4036
Census Tract	203200

Owner

Source: Essex County and Marblehead Town records, as of July 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	40 LOCUST ST, MARBLEHEAD, MA 01945-2938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Mar 15, 2013 · Amount on Record
Record Updated	Sep 20, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARBLEHEAD MA
Recording Date	Jul 1, 2022
Property Address	40 LOCUST ST, MARBLEHEAD, MA 01945-2938
Document Number	041043-546
Book / Page	41043 / 546
Instrument Date	Jul 1, 2022
Instrument	20220701002720
Transaction Type	Transfer
Record Updated	Jul 22, 2022

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
Relationship	Tenants by the Entirety
Address	40 LOCUST ST, MARBLEHEAD, MA 01945-2938

Mortgage

Document Number	220701002730
Date	Jul 1, 2022
Instrument	220701002730

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.6%
Type Change Date	Aug 1, 2029
Max Rate At Change	2.5%
Index	Other

Mortgage

Document Number	041043-568
Date	Jul 1, 2022
Book Page	41043/568
Instrument	20220701002740

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$26,132.00 (-0.5%)	$2,887,500 (-1.49%) Land $1,541,000 Building $1,346,500	$3,962,355
2024	$26,263.00 (+9.5%)	$2,931,100 (+22.21%) Land $1,761,000 Building $1,170,100
2023	$23,984.00	$2,398,400 Land $1,431,000 Building $967,400

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
Flood Insurance Cost	Premium on Record median of 57 policies
Nearby Flood Policies	57 in force
Nearby Flood Claims	7 (1991–2018)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 2 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	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	MARBLEHEAD WATER DEPT. (MWRA) serves 20,441 people · EPA ID MA3168000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 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	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 445 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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