Essex County and Haverhill City property record for 45 Worcester St, Haverhill, MA 01832
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,256 sqft · built 1995 |
| Lot Size | 0.219 acres (9,527 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $575,000 (Jan 2023) |
| Tax Bill | $5,912 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Jan 2018 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 534-20-34 |
| Primary APN | 534-20-34 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,256 sqft Living Area |
| Gross Area | 3,378 sqft |
| Basement Area | 1,280 sqft |
| Unfinished Basement | 640 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,527 sqft (0.219 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 534-20-34 |
|---|---|
| Street Address | 45 WORCESTER ST |
| City | HAVERHILL |
| State | MA |
| Zip | 01832-5129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 20 |
| Legal Lot Number | 34 |
| Jurisdiction | HAVERHILL MA |
| Township / Civil Division | HAVERHILL |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 260900 |
45 Worcester St is owned and occupied by two individuals who bought it in January 2023.
Source: Essex County and Haverhill City records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 WORCESTER ST, HAVERHILL, MA 01832-5129 |
| 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.
| Date | Document |
|---|---|
| Jan 6, 2023 | Quit Claim Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Jan 12, 2018 | Deed of Trust, Mortgage HAVERHILL BANK |
| Dec 13, 2019 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| May 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Apr 2, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Nov 15, 2017 | Foreclosure Foreclosure Auction |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2023 · Amount on File |
| Deed Sale | Jan 6, 2023 · Amount on File |
| Prior Sale | Apr 2, 2018 · Amount on File |
| Deed Book / Page | 41389 / 473 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | Jan 6, 2023 |
| Property Address | 45 WORCESTER ST, HAVERHILL, MA 01832-5129 |
| Document Number | 041389-473 |
| Book / Page | 41389 / 473 |
| Instrument Date | Jan 6, 2023 |
| Instrument | 20230106002800 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 45 WORCESTER ST, HAVERHILL, MA 01832-5129 |
| Document Number | 230106002810 |
|---|---|
| Date | Jan 6, 2023 |
| Instrument | 230106002810 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 45 WORCESTER ST, HAVERHILL, MA 01832-5129 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 036467-298 |
|---|---|
| Date | Jan 12, 2018 |
| Book Page | 36467/298 |
| Instrument | 180112001490 |
| Name | HAVERHILL BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 45 WORCESTER ST, HAVERHILL, MA 01832-5129 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 038107-598 |
|---|---|
| Date | Dec 13, 2019 |
| Book Page | 38107/598 |
| Instrument | 20191213001160 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 45 WORCESTER ST, HAVERHILL, MA 01832-5129 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 038547-253 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 38547/253 |
| Instrument | 20200526002710 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | Apr 2, 2018 |
| Property Address | 45 WORCESTER ST, HAVERHILL, MA 01832-5129 |
| Document Number | 36621-237 |
| Book / Page | 036621 / 000237 |
| Instrument Date | Mar 30, 2018 |
| Instrument | 1804022410 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,673.52 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 WORCESTER ST HAVERHILL MA 018325129, HAVERHILL, MA 01832-5129 |
| Document Number | 36621-239 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 036621/000239 |
| Instrument | 1804022420 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | Nov 15, 2017 |
| Property Address | 45 WORCESTER ST, HAVERHILL, MA 01832-5129 |
| Document Number | 36333-140 |
| Book / Page | 036333 / 000140 |
| Instrument Date | Oct 2, 2017 |
| Instrument | 1711154190 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 5, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,203.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 BEVERLY DR GEORGETOWN MA 018331909, GEORGETOWN, MA 01833-1909 |
The 2025 property tax bill for 45 Worcester St was $5,912, up 7.7% 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 | $5,912.00 (+7.67%) | $552,000 (+6.96%) Land $172,500 Building $379,500 | $622,725 |
| 2024 | $5,491.00 (+3.6%) | $516,100 (+8.58%) Land $167,700 Building $348,400 | |
| 2023 | $5,300.00 | $475,300 Land $158,200 Building $317,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Worcester 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (1987) |
| Most Recent Claim | Apr 1987 · Severe Storms & 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 risk around 45 Worcester St is low, with less than 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 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 137 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures