Essex County and Haverhill City property record for 45 S Pine St, Haverhill, MA 01835
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,296 sqft · built 1900 |
| Lot Size | 0.133 acres (5,789 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (May 2022) |
| Tax Bill | $4,470 (2025) |
| Deeds & Mortgages | Nov 2023 Refinance May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 705-647-11 |
| Primary APN | 705-647-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 2,268 sqft |
| Basement Area | 648 sqft |
| Unfinished Basement | 648 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,789 sqft (0.133 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 705-647-11 |
|---|---|
| Street Address | 45 S PINE ST |
| City | HAVERHILL |
| State | MA |
| Zip | 01835-7436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 647 |
| Legal Lot Number | 11 |
| Jurisdiction | HAVERHILL MA |
| Township / Civil Division | HAVERHILL |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 261000 |
Source: Essex County and Haverhill City records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45 S PINE ST, HAVERHILL, MA 01835-7436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 22, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance NEEDHAM BANK |
| May 16, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROSS MORTGAGE COMPANY INC |
| Dec 7, 2017 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2022 · Amount on Record |
| Deed Sale | May 16, 2022 · Amount on Record |
| Prior Sale | Sep 18, 2009 · Amount on Record |
| Deed Document Number | 20224350 |
| Deed Book / Page | 40936 / 495 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 45 S PINE ST, HAVERHILL, MA 01835-7436 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 041871-592 |
|---|---|
| Date | Nov 22, 2023 |
| Book Page | 41871/592 |
| Instrument | 20231122000490 |
| Name | NEEDHAM BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | May 16, 2022 |
| Property Address | 45 S PINE ST, HAVERHILL, MA 01835-7436 |
| Document Number | 040936-495 |
| Book / Page | 40936 / 495 |
| Instrument Date | May 16, 2022 |
| Instrument | 20220516004350 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 S PINE ST, HAVERHILL, MA 01835-7436 |
| Document Number | 220516004360 |
|---|---|
| Date | May 16, 2022 |
| Instrument | 220516004360 |
| Name | ROSS MORTGAGE COMPANY INC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 45 S PINE ST, HAVERHILL, MA 01835-7436 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36386-369 |
|---|---|
| Date | Dec 7, 2017 |
| Book Page | 36386/369 |
| Instrument | 171207000900 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2047 |
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 | $4,470.00 (+7.84%) | $417,400 (+7.14%) Land $165,400 Building $252,000 | $432,250 |
| 2024 | $4,145.00 (+0.68%) | $389,600 (+5.53%) Land $165,400 Building $224,200 | |
| 2023 | $4,117.00 | $369,200 Land $165,400 Building $203,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1984–2006) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | May 2006 · Severe Storms And Flooding |
| 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.
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 | 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 422 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 |
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