45 Highland St, Amesbury, MA 01913 Property Records

Essex County and Amesbury City property record for 45 Highland St, Amesbury, MA 01913

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,188 sqft · built 1895
Lot Size	0.226 acres (9,857 sqft)
Owner	2 Individual Names on File
Last Sale	$411,000 (Oct 2019)
Tax Bill	$9,537 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`AMES M:63 B:0024`

Property Details

APN / Parcel Number

Primary APN	`AMES M:63 B:0024`
Alternative APN	`95`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,188 sqft Living Area
Gross Area	4,368 sqft
1st Floor Area	1,108 sqft
Attic	Attic
Attic Area	904 sqft
Basement Area	932 sqft
Unfinished Basement	932 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,857 sqft (0.226 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	95
Street Address	45 HIGHLAND ST
City	AMESBURY
State	MA
Zip	01913-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Block	24
Jurisdiction	AMESBURY MA
Township / Civil Division	AMESBURY TOWN
Census Block Group	3
Census Block	3009
Census Tract	266100

Owner

45 Highland St is owned and occupied by two individuals who bought it in October 2019.

Source: Essex County and Amesbury City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 HIGHLAND ST, AMESBURY, MA 01913-2201
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Sep 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC
Oct 17, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2019 · Amount on File
Deed Sale	Oct 17, 2019 · Amount on File
Prior Sale	Apr 30, 2008 · Amount on File
Deed Book / Page	37942 / 521
Prior Transfer Date	Oct 8, 2019
Prior Transfer Doc	3794000521
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMESBURY MA
Property Address	45 HIGHLAND ST, AMESBURY, MA 01913-2201
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	041756-284
Date	Sep 12, 2023
Book Page	41756/284
Instrument	20230912002580

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMESBURY MA
Property Address	45 HIGHLAND ST, AMESBURY, MA 01913-2201
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38891-294
Date	Sep 1, 2020
Book Page	38891/294
Instrument	20200901004260

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMESBURY MA
Recording Date	Oct 17, 2019
Property Address	45 HIGHLAND ST, AMESBURY, MA 01913-2201
Document Number	37942-521
Book / Page	37942 / 521
Instrument Date	Oct 8, 2019
Instrument	20191017003140
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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
Address	45 HIGHLAND ST, AMESBURY, MA 01913-2201

Mortgage

Document Number	191017003150
Date	Oct 17, 2019
Instrument	191017003150

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 45 Highland St was $9,537, up 2.7% from the year before.

Source: Essex County and Amesbury City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Amesbury City
Unified School District	Amesbury School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,537.00 (+2.74%)	$633,700 (+4.45%) Land $226,300 Building $407,400	$778,028 (+54.61%)
2025	$9,283.00 (+5.93%)	$606,700 (+8.28%) Land $213,400 Building $393,300	$503,215
2024	$8,763.00 (+0.42%)	$560,300 (+4.93%) Land $201,300 Building $359,000
2023	$8,726.00	$534,000 Land $175,000 Building $359,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 Highland St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2006.

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	2 in force
Nearby Flood Claims	2 (2006–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2010 · river or lake flooding

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

Wildfire risk around 45 Highland 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	None beyond ember reach

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	AMESBURY DPW WATER DIV. serves 17,366 people · EPA ID MA3007000
Water Source	Surface water
Last State Inspection	Jun 2026
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 464 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

May also be available: Breezeline, T-Mobile.

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