46 Beech St, South Hamilton, MA 01982 Property Records

Essex County and Hamilton Town property record for 46 Beech St, South Hamilton, MA 01982

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,760 sqft · built 1935
Lot Size	0.615 acres (26,794 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,911 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HAMI M:66 B:6`

Property Details

APN / Parcel Number

Primary APN	`HAMI M:66 B:6`
Alternative APN	`1985`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,760 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	940 sqft
Basement Area	400 sqft
Unfinished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,794 sqft (0.615 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1985
Street Address	46 BEECH ST
City	SOUTH HAMILTON
State	MA
Zip	01982-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Block	6
Legal Lot Number	6
Jurisdiction	HAMILTON MA
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1008
Census Tract	215101

Owner

Source: Essex County and Hamilton Town records, as of July 20, 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	46 BEECH ST, SOUTH HAMILTON, MA 01982-2608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Oct 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Apr 12, 2018	Deed of Trust, Mortgage · Conventional with PMI FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON MA
Property Address	46 BEECH ST, SOUTH HAMILTON, MA 01982-2608
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039688-53
Date	Mar 25, 2021
Book Page	39688/53
Instrument	20210325004840

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON MA
Property Address	46 BEECH ST, SOUTH HAMILTON, MA 01982-2608
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039016-365
Date	Oct 2, 2020
Book Page	39016/365
Instrument	20201002006360

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON MA
Property Address	46 BEECH ST, SOUTH HAMILTON, MA 01982-2608
Document Number	36643-385
Instrument Date	Apr 12, 2018
Transaction Type	Mortgage
Record Updated	May 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36643-385
Date	Apr 12, 2018
Book Page	036643/000385
Instrument	1804120720

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2048

Tax Assessment & Valuation

Source: Essex County and Hamilton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Hamilton Town
Unified School District	Hamilton-Wenham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,911.00 (+4.96%)	$569,400 (+1.33%) Land $293,100 Building $276,300	$844,360
2024	$8,490.00 (-4.18%)	$561,900 (+3.63%) Land $293,100 Building $268,800
2023	$8,860.00	$542,200 Land $276,500 Building $265,700

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (2001–2006)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 4 claims

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

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	Direct burnable vegetation

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	HAMILTON WATER DEPT serves 7,674 people · EPA ID MA3119000
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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