Essex County and Haverhill City property record for 48 Florence Ave, Haverhill, MA 01832
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,096 sqft · built 1942 |
| Lot Size | 0.279 acres (12,140 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $54,000 (Jun 1998) |
| Tax Bill | $4,383 (2025) |
| Deeds & Mortgages | Aug 2021 Refinance Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 508-256-4 |
| Primary APN | 508-256-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,096 sqft Living Area |
| Gross Area | 2,940 sqft |
| Basement Area | 884 sqft |
| Unfinished Basement | 884 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Cape Cod |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,140 sqft (0.279 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 508-256-4 |
|---|---|
| Street Address | 48 FLORENCE AVE |
| City | HAVERHILL |
| State | MA |
| Zip | 01832-5157 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 256 |
| Legal Lot Number | 4 |
| Jurisdiction | HAVERHILL MA |
| Township / Civil Division | HAVERHILL |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 260900 |
Source: Essex County and Haverhill City 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 | 48 FLORENCE AVE, HAVERHILL, MA 01832-5157 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Aug 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jul 6, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 1998 · Amount on Record |
| Deed Sale | Jun 5, 1998 · Amount on Record |
| Prior Sale | Jun 5, 1998 · Amount on Record |
| Deed Book / Page | 14859 / 210 |
| Transfer Doc | 34935-38 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 48 FLORENCE AVE, HAVERHILL, MA 01832-5157 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40201-41 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 40201/41 |
| Instrument | 20210823003320 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 48 FLORENCE AVE, HAVERHILL, MA 01832-5157 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36846-6 |
|---|---|
| Date | Jul 6, 2018 |
| Book Page | 36846/6 |
| Instrument | 180706003910 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 1, 2058 |
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 | $4,383.00 (+4.51%) | $409,200 (+3.81%) Land $162,800 Building $246,400 | $494,570 |
| 2024 | $4,194.00 (+2.72%) | $394,200 (+7.65%) Land $159,600 Building $234,600 | |
| 2023 | $4,083.00 | $366,200 Land $159,600 Building $206,600 |
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 |
|---|---|
| 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 | 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.
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 260 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 |
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