Essex County and Beverly City property record for 45 Hart St, Beverly, MA 01915
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 4 ba · 2,912 sqft · built 1890 |
| Lot Size | 0.424 acres (18,478 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $132,000 (Dec 1994) |
| Tax Bill | $10,401 (2025) |
| Deeds & Mortgages | Nov 2022 Refinance Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R15 |
| Primary APN | R15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,912 sqft Living Area |
| Gross Area | 4,537 sqft |
| Basement Area | 384 sqft |
| Unfinished Basement | 384 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,478 sqft (0.424 acres) |
| Garage Type | Detached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 8132 |
|---|---|
| Street Address | 45 HART ST |
| City | BEVERLY |
| State | MA |
| Zip | 01915-2162 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R15 |
| Legal Block | 65 |
| Jurisdiction | BEVERLY MA |
| Township / Civil Division | BEVERLY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 217602 |
45 Hart St, a duplex, is owned and occupied by two individuals who bought it in December 1994.
Source: Essex County and Beverly City 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 File |
|---|---|
| Mailing Address | 45 HART ST, BEVERLY, MA 01915-2162 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK |
| Jun 26, 2017 | Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 1994 · Amount on File |
| Deed Sale | Dec 30, 1994 · Amount on File |
| Deed Book / Page | 12878 / 426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEVERLY MA |
| Property Address | 45 HART ST, BEVERLY, MA 01915-2162 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 041327-195 |
|---|---|
| Date | Nov 30, 2022 |
| Book Page | 41327/195 |
| Instrument | 20221130002760 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEVERLY MA |
| Property Address | 45 HART ST, BEVERLY, MA 01915-2162 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35968-284 |
|---|---|
| Date | Jun 26, 2017 |
| Book Page | 35968/284 |
| Instrument | 45 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2037 |
The 2025 property tax bill for 45 Hart St was $10,401, down 0.6% from the year before.
Source: Essex County and Beverly City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Beverly City |
| Unified School District | Beverly School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,401.00 (-0.61%) | $946,400 (+1.56%) Land $516,000 Building $430,400 | $1,022,325 |
| 2024 | $10,465.00 (+9.11%) | $931,900 (+9.4%) Land $476,400 Building $455,500 | |
| 2023 | $9,591.00 | $851,800 Land $416,800 Building $435,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Hart St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 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 risk around 45 Hart St is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BEVERLY WATER DEPT serves 47,461 people · EPA ID MA3030000 |
|---|---|
| Water Source | Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD |
| Last State Inspection | Nov 2025 |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 306 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures