Essex County and Haverhill City property record for 515 River St, Haverhill, MA 01832
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,660 sqft · built 1900 |
| Lot Size | 0.091 acres (3,960 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Oct 2014) |
| Tax Bill | $6,173 (2025) |
| Deeds & Mortgages | Dec 2021 Refinance Feb 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 506-253-20 |
| Primary APN | 506-253-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,660 sqft Living Area |
| Gross Area | 4,611 sqft |
| Basement Area | 1,064 sqft |
| Unfinished Basement | 532 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,960 sqft (0.091 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 506-253-20 |
|---|---|
| Street Address | 515 RIVER ST |
| City | HAVERHILL |
| State | MA |
| Zip | 01832-5142 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 253 |
| Legal Lot Number | 20 |
| Jurisdiction | HAVERHILL MA |
| Township / Civil Division | HAVERHILL |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 260900 |
Source: Essex County and Haverhill City records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 515 RIVER ST, HAVERHILL, MA 01832-5142 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUILD MORTGAGE CO |
| Feb 9, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2014 · Amount on Record |
| Deed Sale | Oct 30, 2014 · Amount on Record |
| Prior Sale | Aug 15, 2001 · Amount on Record |
| Deed Book / Page | 33641 / 40 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 515 RIVER ST, HAVERHILL, MA 01832-5142 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040589-160 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 40589/160 |
| Instrument | 20211220001530 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 515 RIVER ST, HAVERHILL, MA 01832-5142 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041432-511 |
|---|---|
| Date | Feb 9, 2023 |
| Book Page | 41432/511 |
| Instrument | 20230209002130 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|
| 2025 | $6,173.00 (+13.81%) | $576,400 (+13.06%) Land $133,700 Building $442,700 |
| 2024 | $5,424.00 (+3.14%) | $509,800 (+8.08%) Land $124,700 Building $385,100 |
| 2023 | $5,259.00 | $471,700 Land $124,700 Building $347,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
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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