538 Howe St, Methuen, MA 01844 Property Records

Essex County and Methuen City property record for 538 Howe St, Methuen, MA 01844

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,240 sqft · built 2023
Lot Size	4.2 acres (182,952 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,086 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18582`

Property Details

APN / Parcel Number

Primary APN	`18582`
Alternative APN	`METH M:00904 B:00074 L:00001A`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,240 sqft Living Area
Gross Area	4,672 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Colonial
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	182,952 sqft (4.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	18582
Street Address	538 HOWE ST
City	METHUEN
State	MA
Zip	01844-1240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	74
Legal Lot Number	1A
Jurisdiction	METHUEN MA
Township / Civil Division	METHUEN TOWN
Census Block Group	2
Census Block	2018
Census Tract	252602

Owner

538 Howe St, a single family home, is owned by two individuals.

Source: Essex County and Methuen City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	36 NORTH ST, METHUEN, MA 01844-1214
Owner Type	Individual
Vesting	Et Al (and Others)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage METHUEN COOPERATIVE BANK
Apr 21, 2023	Deed of Trust, Mortgage · ARM METHUEN COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METHUEN MA
Recording Date	Apr 21, 2026
Property Address	538 HOWE ST, METHUEN, MA 01844-1240
Document Number	018559-273
Book / Page	18559 / 273
Instrument Date	Apr 15, 2026
Instrument	20265929
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship, 153
Address	538 HOWE ST, METHUEN, MA 01844-1240

Mortgage

Document Number	0000005929,
Date	Apr 21, 2026
Book Page	18559/273
Instrument	20265929

Lender

Name	METHUEN COOPERATIVE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Type Change Date	May 1, 2036
Index	1-Year CMT
Margin	3
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METHUEN MA
Property Address	538 HOWE ST, METHUEN, MA 01844-1240
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017722-230
Date	Apr 21, 2023
Book Page	17722/230
Instrument	5860

Lender

Name	METHUEN COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	May 1, 2033
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 538 Howe St was $7,086, up 7.8% from the year before.

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	$7,086.00 (+7.8%)	$681,300 (+9.66%) Land $150,300 Building $531,000	$770,436 (+14%)
2025	$6,573.00 (+127.13%)	$621,300 (+133.13%) Land $143,100 Building $478,200	$675,830
2024	$2,894.00 (+106.27%)	$266,500 (+122.27%) Land $120,300 Building $146,200
2023	$1,403.00	$119,900 Land $119,900

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

Flood

FEMA maps place 538 Howe St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

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	8 in force
Nearby Flood Claims	2 (2001–2004)
Most Recent Claim	Apr 2004 · Flooding

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

Wildfire risk around 538 Howe St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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	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 60 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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