45 E Main St, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 45 E Main St, Merrimac, MA 01860

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,079 sqft · built 1855
Lot Size	0.296 acres (12,881 sqft)
Owner	2 Company Names on Record
Last Sale	$82,600 (Mar 1995)
Tax Bill	$7,826 (2026)
Deeds & Mortgages	Dec 2025 Sale Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0026 B:0001 L:00006`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0026 B:0001 L:00006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,079 sqft Living Area
Gross Area	4,512 sqft
Basement Area	1,190 sqft
Unfinished Basement	1,190 sqft

Exterior

Year Built	Built 1855
Effective Year Built	Effective 1856
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,881 sqft (0.296 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	45 E MAIN ST
City	MERRIMAC
State	MA
Zip	01860-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RH
Legal Block	1
Legal Lot Number	6
Jurisdiction	MERRIMAC MA
Township / Civil Division	MERRIMAC
Census Block Group	3
Census Block	3014
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 Company Names on Record
Mailing Address	45 E MAIN ST, MERRIMAC, MA 01860-2021
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed, Transfer
Apr 26, 2018	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 1995 · Amount on Record
Deed Sale	Mar 16, 1995 · Amount on Record
Deed Book / Page	12951 / 545
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MERRIMAC MA
Recording Date	Dec 31, 2025
Property Address	45 E MAIN ST, MERRIMAC, MA 01860-2021
Document Number	043158-463
Book / Page	43158 / 463
Instrument Date	Dec 24, 2025
Instrument	20251231001150
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 E MAIN ST, MERRIMAC, MA 01860-2021

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	45 E MAIN ST, MERRIMAC, MA 01860-2021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36670-382
Date	Apr 26, 2018
Book Page	36670/382
Instrument	180426000730

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$7,826.00 (+0.97%)	$593,300 (+1.42%) Land $291,800 Building $296,200	$587,958 (-0.69%)
2025	$7,751.00 (+2.68%)	$585,000 (+4.61%) Land $291,800 Building $293,200	$592,040
2024	$7,549.00 (+6.82%)	$559,200 (+16.87%) Land $275,600 Building $283,600
2023	$7,067.00	$478,500 Land $233,500 Building $245,000

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

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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