46 Phillips St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 46 Phillips St, Salem, MA 01970

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,175 sqft · built 1890
Lot Size	0.047 acres (2,030 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (Aug 2024)
Tax Bill	$5,708 (2026)
Deeds & Mortgages	Oct 2025 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SALE M:16 L:0265`

Property Details

APN / Parcel Number

Primary APN	`SALE M:16 L:0265`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,175 sqft Living Area
Gross Area	2,296 sqft
Basement Area	714 sqft
Unfinished Basement	714 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,030 sqft (0.047 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	46 PHILLIPS ST
City	SALEM
State	MA
Zip	01970-1538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	265
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2012
Census Tract	204600

Owner

Source: Essex County and Salem City records, as of October 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 PHILLIPS ST, SALEM, MA 01970-1538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
May 11, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2024 · Amount on Record
Deed Sale	Aug 8, 2024 · Amount on Record
Prior Sale	May 11, 2022 · Amount on Record
Deed Document Number	20241320
Deed Book / Page	42261 / 225
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	46 PHILLIPS ST, SALEM, MA 01970-1538
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043000-582
Date	Oct 10, 2025
Book Page	43000/582
Instrument	20251010002890

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	May 11, 2022
Property Address	46 PHILLIPS ST, SALEM, MA 01970-1538
Document Number	040926-351
Book / Page	40926 / 351
Instrument Date	May 11, 2022
Instrument	20220511002650
Transaction Type	Transfer
Record Updated	May 27, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 PHILLIPS ST # PTN, PTN, SALEM, MA 01970-1538

Mortgage

Document Number	220511002660
Date	May 11, 2022
Instrument	220511002660

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Essex County and Salem City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Salem City
Unified School District	Salem School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,708.00 (+5.37%)	$529,500 (+10.84%) Land $211,100 Building $317,900	$571,797 (+1.57%)
2025	$5,417.00 (+3.6%)	$477,700 (+6.16%) Land $190,000 Building $287,700	$562,970
2024	$5,229.00 (+3.75%)	$450,000 (+11.69%) Land $180,500 Building $269,500
2023	$5,040.00	$402,900 Land $166,600 Building $236,300

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	Not rated no burnable land within ember reach

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	SALEM WATER DEPARTMENT serves 44,480 people · EPA ID MA3258000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Dec 2024

Violations Reported to EPA

Water Quality	None last 10 years
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 867 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Astound Broadband, AT&T, Verizon.

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