44 E Main St, #46, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 44 E Main St, #46, Merrimac, MA 01860

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,813 sqft · built 1850
Lot Size	0.671 acres (29,233 sqft)
Owner	Individual Name on Record
Tax Bill	$8,221 (2026)
Deeds & Mortgages	Jun 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0017 B:0001 L:00019`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0017 B:0001 L:00019`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,813 sqft Living Area
Gross Area	5,358 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,233 sqft (0.671 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	44 E MAIN ST, 46
City	MERRIMAC
State	MA
Zip	01860-2022
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RH
Legal Subdivision	DAVID HITCHCOCK
Legal Block	1
Legal Lot Number	19
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	44 E MAIN ST, 46, MERRIMAC, MA 01860-2022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2012
Deed Sale	Sep 5, 2012
Deed Book / Page	31689 / 108
Last Transfer Date	Jun 15, 2020
Transfer Doc	38636-493
Record Updated	Oct 29, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERRIMAC MA
Recording Date	Jun 22, 2020
Property Address	44-46 E MAIN ST, MERRIMAC, MA 01860
Document Number	38636-493
Book / Page	38636 / 493
Instrument Date	Jun 15, 2020
Instrument	20200622005260
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 E MAIN ST # 46, 46, MERRIMAC, MA 01860-2022

Mortgage

Document Number	38636-495
Date	Jun 22, 2020
Book Page	38636/495
Instrument	20200622005270

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

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	$8,221.00 (+1.17%)	$623,300 (+1.63%) Land $313,900 Building $295,600	$687,597
2025	$8,126.00 (+9.37%)	$613,300 (+11.43%) Land $313,900 Building $299,400
2024	$7,430.00 (-0.39%)	$550,400 (+8.99%) Land $296,500 Building $253,900
2023	$7,459.00	$505,000 Land $251,100 Building $253,900

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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