498 Prospect St, Methuen, MA 01844 Property Records

Essex County and Methuen City property record for 498 Prospect St, Methuen, MA 01844

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,385 sqft · built 1955
Lot Size	0.209 acres (9,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$297,000 (Jan 2017)
Tax Bill	$5,237 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jan 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13527`

Property Details

APN / Parcel Number

Primary APN	`13527`
Alternative APN	`METH M:00914 B:00097 L:00018A`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,385 sqft Living Area
Gross Area	3,250 sqft
Basement Area	1,529 sqft
Unfinished Basement	1,529 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,100 sqft (0.209 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	13527
Street Address	498 PROSPECT ST
City	METHUEN
State	MA
Zip	01844-7512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Block	97
Legal Lot Number	18A
Jurisdiction	METHUEN MA
Township / Civil Division	METHUEN TOWN
Census Block Group	2
Census Block	2009
Census Tract	252501

Owner

Source: Essex County and Methuen 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	498 PROSPECT ST, METHUEN, MA 01844-7512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MERRIMACK VALLEY FCU
Jan 27, 2021	Deed of Trust, Mortgage · Line of Credit MERRIMACK VALLEY FCU
Oct 15, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MERRIMACK VALLEY FCU
Jan 6, 2017	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE EQUITY PTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2017 · Amount on Record
Deed Sale	Jan 6, 2017 · Amount on Record
Prior Sale	Jun 27, 2008 · Amount on Record
Deed Book / Page	14946 / 245
Transfer Doc	014946-245
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METHUEN MA
Property Address	498 PROSPECT ST, METHUEN, MA 01844-7512
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016736-109
Date	Jan 27, 2021
Book Page	16736/109
Instrument	2998

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METHUEN MA
Property Address	498 PROSPECT ST, METHUEN, MA 01844-7512
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016736-121
Date	Jan 27, 2021
Book Page	16736/121
Instrument	2999

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2046

Interest

Rate Type	Adjustable Rate

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METHUEN MA
Property Address	498 PROSPECT ST, METHUEN, MA 01844-7512
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018116-314
Date	Oct 15, 2024
Book Page	18116/314
Instrument	17670

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2049

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	METHUEN MA
Recording Date	Jan 6, 2017
Property Address	498 PROSPECT ST, METHUEN, MA 01844-7512
Document Number	14946-245
Book / Page	014946 / 000245
Instrument Date	Jan 6, 2017
Instrument	499
Transaction Type	Transfer
Record Updated	Jan 25, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,354.32
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	498 PROSPECT ST METHUEN MA 018447512, METHUEN, MA 01844-7512

Mortgage

Document Number	14946-247,
Date	Jan 6, 2017
Book Page	014946/000247
Instrument	500

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,237.00 (+5.16%)	$503,600 (+6.99%) Land $184,100 Building $319,500	$543,164 (+21.83%)
2025	$4,980.00 (+0.89%)	$470,700 (+3.56%) Land $184,100 Building $286,600	$445,835
2024	$4,936.00 (+5.81%)	$454,500 (+14%) Land $167,900 Building $286,600
2023	$4,665.00	$398,700 Land $149,300 Building $249,400

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 units insured incl. 2 condo units

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	METHUEN WATER DEPT serves 53,059 people · EPA ID MA3181000
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

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. 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 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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