Essex County and Haverhill City property record for 41 Commonwealth Ave, Haverhill, MA 01830
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,824 sqft · built 1915 |
| Lot Size | 0.258 acres (11,252 sqft) |
| Owner | Individual Name on File |
| Last Sale | $700,000 (May 2026) |
| Tax Bill | $5,623 (2025) |
| Deeds & Mortgages | May 2023 Refinance May 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 642-1-8 |
| Primary APN | 642-1-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,824 sqft Living Area |
| Gross Area | 3,735 sqft |
| Basement Area | 1,036 sqft |
| Unfinished Basement | 1,036 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,252 sqft (0.258 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 642-1-8 |
|---|---|
| Street Address | 41 COMMONWEALTH AVE |
| City | HAVERHILL |
| State | MA |
| Zip | 01830-2707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | HAVERHILL MA |
| Township / Civil Division | HAVERHILL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 260500 |
Source: Essex County and Haverhill 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 | Individual Name on File |
|---|---|
| Mailing Address | 41 COMMONWEALTH AVE, HAVERHILL, MA 01830-2707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 8, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| May 26, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA |
| Mar 4, 2022 | Quit Claim Deed, Transfer · Stand-Alone Refinance EMBRACE HOME LOANS INC |
| Apr 28, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC |
| Mar 16, 2018 | Quit Claim Deed, Transfer · Conventional with PMI EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on File |
| Deed Sale | May 26, 2026 · Amount on File |
| Prior Sale | Mar 16, 2018 · Amount on File |
| Deed Document Number | 202620260526001440 |
| Deed Book / Page | 43404 / 393 |
| Prior Transfer Date | May 19, 2026 |
| Prior Transfer Doc | 043404-393 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 41 COMMONWEALTH AVE, HAVERHILL, MA 01830-2707 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 041552-516 |
|---|---|
| Date | May 8, 2023 |
| Book Page | 41552/516 |
| Instrument | 20230508000190 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | May 26, 2026 |
| Property Address | 41 COMMONWEALTH AVE, HAVERHILL, MA 01830-2707 |
| Document Number | 043404-393 |
| Book / Page | 43404 / 393 |
| Instrument Date | May 19, 2026 |
| Instrument | 20261440 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 41 COMMONWEALTH AVE, HAVERHILL, MA 01830-2707 |
| Date | May 26, 2026 |
|---|
| Name | LEADER BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | Mar 4, 2022 |
| Property Address | 41 COMMONWEALTH AVE, HAVERHILL, MA 01830-2707 |
| Document Number | 040767-254 |
| Book / Page | 40767 / 254 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 20220304000660 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 41 COMMONWEALTH AVE, HAVERHILL, MA 01830-2707 |
| Investor | Possibly a Property Investor |
| Document Number | 20220304000670 |
|---|---|
| Date | Mar 4, 2022 |
| Instrument | 20220304000670 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 41 COMMONWEALTH AVE, HAVERHILL, MA 01830-2707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38459-5 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 38459/5 |
| Instrument | 20200428001930 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | Mar 16, 2018 |
| Property Address | 41 COMMONWEALTH AVE, HAVERHILL, MA 01830-2707 |
| Document Number | 36587-442 |
| Book / Page | 036587 / 000442 |
| Instrument Date | Mar 1, 2018 |
| Instrument | 1803161350 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,696.32 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 COMMONWEALTH AVE HAVERHILL MA 018302707, HAVERHILL, MA 01830-2707 |
| Document Number | 36587-444 |
|---|---|
| Date | Mar 16, 2018 |
| Book Page | 036587/000444 |
| Instrument | 1803161360 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 15, 2048 |
Source: Essex County and Haverhill City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Haverhill City |
| Unified School District | Haverhill School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,623.00 (+9.04%) | $525,000 (+8.31%) Land $183,800 Building $341,200 | $523,165 |
| 2024 | $5,157.00 (+2.93%) | $484,700 (+7.88%) Land $180,600 Building $304,100 | |
| 2023 | $5,010.00 | $449,300 Land $170,900 Building $278,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HAVERHILL WATER DEPT serves 61,277 people · EPA ID MA3128000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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