42 E Main St, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 42 E Main St, Merrimac, MA 01860

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 2,018 sqft · built 1821
Lot Size	1.96 acres (85,790 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,732 (2026)
Deeds & Mortgages	Aug 2022 Refinance Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0017 B:0001 L:018-A`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,018 sqft Living Area
Gross Area	3,580 sqft
Basement Area	762 sqft
Unfinished Basement	762 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	85,790 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	42 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-A
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	2 Individual Names on Record
Mailing Address	42 E MAIN ST, MERRIMAC, MA 01860-2022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ALLY BANK
Oct 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Aug 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage HARVARD UNIV CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	42 E MAIN ST, MERRIMAC, MA 01860-2022
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041107-26
Date	Aug 2, 2022
Book Page	41107/26
Instrument	20220802002750

Lender

Name	ALLY BANK
Type	Bank

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	42 E MAIN ST, MERRIMAC, MA 01860-2022
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40392-591
Date	Oct 19, 2021
Book Page	40392/591
Instrument	20211019002310

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	42 E MAIN ST, MERRIMAC, MA 01860-2022
Document Number	36132-204
Book / Page	036132 / 000204
Instrument Date	Aug 22, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36132-204
Date	Aug 28, 2017
Book Page	036132/000204
Instrument	1708280190

Lender

Name	HARVARD UNIV CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 27, 2027

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	$5,732.00 (+10.02%)	$434,600 (+10.53%) Building $434,600	$497,392 (+10.83%)
2025	$5,210.00 (+5.02%)	$393,200 (+6.99%) Building $393,200	$448,780
2024	$4,961.00 (+2.06%)	$367,500 (+11.67%) Building $367,500
2023	$4,861.00	$329,100 Building $329,100

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
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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