Essex County and Amesbury City property record for 45 Pearl St, Amesbury, MA 01913
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,656 sqft · built 1900 |
| Lot Size | 0.146 acres (6,342 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $334,900 (Nov 2004) |
| Tax Bill | $7,475 (2026) |
| Deeds & Mortgages | Apr 2025 Line of Credit Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | AMES M:41 B:0096 |
| Primary APN | AMES M:41 B:0096 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,656 sqft Living Area |
| Gross Area | 4,086 sqft |
| 1st Floor Area | 966 sqft |
| Basement Area | 1,340 sqft |
| Unfinished Basement | 1,340 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,342 sqft (0.146 acres) |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 45 PEARL ST |
|---|---|
| City | AMESBURY |
| State | MA |
| Zip | 01913-3115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Subdivision | AMESBURY |
| Legal Block | 96 |
| Jurisdiction | AMESBURY MA |
| Township / Civil Division | AMESBURY TOWN |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 266400 |
45 Pearl St is owned and occupied by two individuals who bought it in November 2004.
Source: Essex County and Amesbury City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 PEARL ST, AMESBURY, MA 01913-3115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Apr 23, 2025 | Deed of Trust, Mortgage · Line of Credit NEWBURYPORT FIVE CENTS SAVINGS BANK |
| Sep 29, 2022 | Deed of Trust, Mortgage · Line of Credit NEWBURYPORT FIVE CENTS SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2004 · Amount on File |
| Deed Sale | Nov 5, 2004 · Amount on File |
| Prior Sale | Dec 15, 1997 · Amount on File |
| Deed Book / Page | 23597 / 337 |
| Transfer Doc | 27089-251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AMESBURY MA |
| Property Address | 45 PEARL ST, AMESBURY, MA 01913-3115 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 042676-135 |
|---|---|
| Date | Apr 23, 2025 |
| Book Page | 42676/135 |
| Instrument | 20250423000420 |
| Name | NEWBURYPORT FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AMESBURY MA |
| Property Address | 45 PEARL ST, AMESBURY, MA 01913-3115 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 041217-412 |
|---|---|
| Date | Sep 29, 2022 |
| Book Page | 41217/412 |
| Instrument | 2 |
| Name | NEWBURYPORT FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 45 Pearl St was $7,475, up 1.5% from the year before.
Source: Essex County and Amesbury City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Amesbury City |
| Unified School District | Amesbury School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,475.00 (+1.45%) | $496,700 (+3.14%) Land $202,100 Building $294,600 | $583,250 (-9.67%) |
| 2025 | $7,368.00 (+6.03%) | $481,600 (+8.4%) Land $196,200 Building $285,400 | $645,715 |
| 2024 | $6,949.00 (+1.24%) | $444,300 (+5.76%) Land $185,100 Building $259,200 | |
| 2023 | $6,864.00 | $420,100 Land $160,900 Building $259,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Pearl St in Zone X, an area of minimal flood risk, though there have been 4 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 Claims | 4 (2006–2023) |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
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 Pearl 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 312 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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