44 Locust St, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 44 Locust St, Merrimac, MA 01860

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,243 sqft · built 1950
Lot Size	1.37 acres (60,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$656,000 (Aug 2025)
Tax Bill	$7,340 (2026)
Deeds & Mortgages	Jan 2021 Refinance Feb 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0029 B:0001 L:008-A`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0029 B:0001 L:008-A`
Alternative APN	`M:0029 B:0001 L:008=A`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,243 sqft Living Area
Gross Area	3,322 sqft
Basement Area	1,243 sqft
Unfinished Basement	1,243 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	60,000 sqft (1.37 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	44 LOCUST ST
City	MERRIMAC
State	MA
Zip	01860-1958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Subdivision	MERRIMAC
Legal Block	1
Legal Lot Number	8-A
Jurisdiction	MERRIMAC MA
Township / Civil Division	MERRIMAC
Census Block Group	4
Census Block	4023
Census Tract	262100

Owner

Source: Essex County and Merrimac Town records, as of October 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	2 Individual Names on Record
Mailing Address	44 LOCUST ST, MERRIMAC, MA 01860-1958
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Feb 27, 2025	Deed of Trust, Mortgage · Line of Credit BROOKLINE BANK
Aug 27, 2025	Quit Claim Deed, Transfer · Conventional Mortgage SALEM FIVE MORTGAGE CORP
Dec 30, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2025 · Amount on Record
Deed Sale	Aug 27, 2025 · Amount on Record
Prior Sale	Jun 29, 2012 · Amount on Record
Deed Book / Page	42913 / 172
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	44 LOCUST ST, MERRIMAC, MA 01860-1958
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039454-269
Date	Jan 26, 2021
Book Page	39454/269
Instrument	20210126002940

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2050

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	44 LOCUST ST, MERRIMAC, MA 01860-1958
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042590-380
Date	Feb 27, 2025
Book Page	42590/380
Instrument	20250227000840

Lender

Name	BROOKLINE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	721 Months
Due	Mar 1, 2085

Interest

Rate Type	Adjustable Rate

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERRIMAC MA
Recording Date	Aug 27, 2025
Property Address	44 LOCUST ST, MERRIMAC, MA 01860-1958
Document Number	042913-172
Book / Page	42913 / 172
Instrument Date	Aug 27, 2025
Instrument	20250827001350
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	44 LOCUST ST, MERRIMAC, MA 01860-1958

Mortgage

Document Number	20250827001360
Date	Aug 27, 2025
Instrument	20250827001360

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERRIMAC MA
Recording Date	Dec 30, 2021
Property Address	44 LOCUST ST, MERRIMAC, MA 01860-1958
Document Number	0040622-51
Book / Page	40622 / 51
Instrument Date	Dec 13, 2021
Instrument	20211230002520
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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 LOCUST ST, MERRIMAC, MA 01860-1958

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	44 LOCUST ST, MERRIMAC, MA 01860-1958
Document Number	36641-222
Instrument Date	Apr 2, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36641-222
Date	Apr 11, 2018
Book Page	036641/000222
Instrument	1804112720

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2048

Interest

Rate Type	Adjustable Rate

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	$7,340.00 (+1.02%)	$556,500 (+1.48%) Land $355,400 Building $193,800	$596,951 (-2.62%)
2025	$7,266.00 (+2.55%)	$548,400 (+4.5%) Land $355,400 Building $193,000	$613,035
2024	$7,085.00 (+2%)	$524,800 (+11.59%) Land $335,700 Building $189,100
2023	$6,946.00	$470,300 Land $308,000 Building $162,300

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 Policies	8 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2026 · other causes

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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 46 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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