40 Locust St, Salisbury, MA 01952 Property Records

Essex County and Salisbury Town property record for 40 Locust St, Salisbury, MA 01952

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,856 sqft · built 1997
Lot Size	1.02 acres (44,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Nov 2023)
Tax Bill	$6,879 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SALI M:12 P:111`

Property Details

APN / Parcel Number

Primary APN	`SALI M:12 P:111`
Alternative APN	`292/41`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,856 sqft Living Area
Gross Area	3,012 sqft
Basement Area	884 sqft
Unfinished Basement	530 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,462 sqft (1.02 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	292/41
Street Address	40 LOCUST ST
City	SALISBURY
State	MA
Zip	01952-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	JIM NATOWLCH
Jurisdiction	SALISBURY MA
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4009
Census Tract	267102

Owner

Source: Essex County and Salisbury 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, SALISBURY, MA 01952-1107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTY MORTGAGE INC
Nov 2, 2023	Deed, Transfer · Stand-Alone First Mortgage 1ST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2023 · Amount on Record
Deed Sale	Nov 2, 2023 · Amount on Record
Prior Sale	Sep 19, 2013 · Amount on Record
Deed Document Number	20232720
Deed Book / Page	41841 / 186
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALISBURY MA
Recording Date	Apr 1, 2026
Property Address	40 LOCUST ST, SALISBURY, MA 01952-1107
Document Number	043308-552
Book / Page	43308 / 552
Instrument Date	Mar 27, 2026
Instrument	20262540
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship, 153
Address	40 LOCUST ST, SALISBURY, MA 01952-1107

Mortgage

Document Number	0000002540,
Date	Apr 1, 2026
Book Page	43308/552
Instrument	20262540

Lender

Name	CROSSCOUNTY MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SALISBURY MA
Recording Date	Nov 2, 2023
Property Address	40 LOCUST ST, SALISBURY, MA 01952-1107
Document Number	041841-186
Book / Page	41841 / 186
Instrument Date	Nov 2, 2023
Instrument	20231102002720
Transaction Type	Transfer
Record Updated	Nov 17, 2023

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, SALISBURY, MA 01952-1107

Mortgage

Document Number	231102002730
Date	Nov 2, 2023
Instrument	231102002730

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,879.00 (+15.91%)	$682,400 (+20.16%) Land $168,000 Building $514,400	$554,040
2024	$5,935.00 (+2.88%)	$567,900 (+6.31%) Land $168,000 Building $399,900
2023	$5,769.00	$534,200 Land $168,000 Building $366,200

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

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	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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	SALISBURY WATER DIVISION serves 9,334 people · EPA ID MA3259000
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Breezeline Fiber	1,000 / 1,000

May also be available: Verizon.

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