Essex County and Haverhill City property record for 45 Middle Rd, Haverhill, MA 01830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,569 sqft · built 1997 |
| Lot Size | 5.02 acres (218,671 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Mar 2004) |
| Tax Bill | $7,397 (2025) |
| Deeds & Mortgages | Mar 2023 Refinance Aug 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 469-187-22 |
| Primary APN | 469-187-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,569 sqft Living Area |
| Gross Area | 4,827 sqft |
| Basement Area | 1,834 sqft |
| Unfinished Basement | 1,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 218,671 sqft (5.02 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 469-187-22 |
|---|---|
| Street Address | 45 MIDDLE RD |
| City | HAVERHILL |
| State | MA |
| Zip | 01830-4325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 187 |
| Legal Lot Number | 22AA |
| Jurisdiction | HAVERHILL MA |
| Township / Civil Division | HAVERHILL |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 260302 |
45 Middle Rd is owned and occupied by two individuals who bought it in March 2004.
Source: Essex County and Haverhill City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 MIDDLE RD, HAVERHILL, MA 01830-4325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 8, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance ALIGN CREDIT UNION |
| Aug 31, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SERVICE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2004 · Amount on File |
| Deed Sale | Mar 12, 2004 · Amount on File |
| Deed Book / Page | 22505 / 99 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 45 MIDDLE RD, HAVERHILL, MA 01830-4325 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 041467-570 |
|---|---|
| Date | Mar 8, 2023 |
| Book Page | 41467/570 |
| Instrument | 20230308001520 |
| Name | ALIGN CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 45 MIDDLE RD, HAVERHILL, MA 01830-4325 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38879-519 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 38879/519 |
| Instrument | 20200831000560 |
| Name | SERVICE CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2045 |
The 2025 property tax bill for 45 Middle Rd was $7,397, up 8.8% from the year before.
Source: Essex County and Haverhill City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Haverhill City |
| Unified School District | Haverhill School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,397.00 (+8.78%) | $690,700 (+8.07%) Land $262,900 Building $427,800 | $794,618 |
| 2024 | $6,800.00 (+0.88%) | $639,100 (+5.71%) Land $247,800 Building $391,300 | |
| 2023 | $6,741.00 | $604,600 Land $247,800 Building $356,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Middle Rd 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 42 individual policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 148 units insured incl. 106 condo units |
| Nearby Flood Claims | 24 (1979–2024) |
| Claims Outside the SFHA | 3 of 24 |
| Most Recent Claim | Jul 2024 · other causes |
| Claims by Event |
|
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 Middle Rd 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 | HAVERHILL WATER DEPT serves 61,277 people · EPA ID MA3128000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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