610 Prospect St, Methuen, MA 01844 Property Records

Essex County and Methuen City property record for 610 Prospect St, Methuen, MA 01844

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,158 sqft · built 1912
Lot Size	1.43 acres (62,670 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Jul 2018)
Tax Bill	$7,533 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12605`

Property Details

APN / Parcel Number

Primary APN	`12605`
Alternative APN	`METH M:00812 B:00081 L:00025`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,158 sqft Living Area
Gross Area	6,266 sqft
Basement Area	1,383 sqft
Unfinished Basement	954 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Asbestos
Lot Area	62,670 sqft (1.43 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	12605
Street Address	610 PROSPECT ST
City	METHUEN
State	MA
Zip	01844-4035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Block	81
Legal Lot Number	25
Jurisdiction	METHUEN MA
Township / Civil Division	METHUEN TOWN
Census Block Group	1
Census Block	1005
Census Tract	252502

Owner

610 Prospect St is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	610 PROSPECT ST, METHUEN, MA 01844-4035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 8, 2022	Deed of Trust, Mortgage · Line of Credit USA ALLIANCE FEDERAL CREDIT UNION
Jun 13, 2017	Deed of Trust, Mortgage WELLS FARGO BANK NA
Sep 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Jul 31, 2018	Quit Claim Deed, Transfer HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2018 · Amount on File
Deed Sale	Jul 31, 2018 · Amount on File
Prior Sale	Dec 2, 2009 · Amount on File
Deed Book / Page	15568 / 152
Transfer Doc	015568-152
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METHUEN MA
Property Address	610 PROSPECT ST, METHUEN, MA 01844-4035
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017369-233
Date	Mar 8, 2022
Book Page	17369/233
Instrument	5769

Lender

Name	USA ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METHUEN MA
Property Address	610 PROSPECT ST, METHUEN, MA 01844-4035
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15112-275
Date	Jun 13, 2017
Book Page	15112/275
Instrument	14625

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METHUEN MA
Property Address	610 PROSPECT ST, METHUEN, MA 01844-4035
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16473-307
Date	Sep 1, 2020
Book Page	16473/307
Instrument	23095

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	METHUEN MA
Recording Date	Jul 31, 2018
Property Address	610 PROSPECT ST, METHUEN, MA 01844-4035
Document Number	15568-152
Book / Page	15568 / 152
Instrument	18344
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.14
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 PROSPECT ST, METHUEN, MA 01844-4035

Mortgage

Document Number	155680154
Date	Jul 31, 2018
Instrument	15568/0154

Lender

Name	HARBORONE MORTGAGE

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jul 31, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 610 Prospect St was $7,533, up 4.8% 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	$7,533.00 (+4.8%)	$724,300 (+6.61%) Land $308,300 Building $416,000	$644,408 (-8.99%)
2025	$7,188.00 (+1.43%)	$679,400 (+4.11%) Land $308,300 Building $371,100	$708,035
2024	$7,087.00 (+8.17%)	$652,600 (+16.54%) Land $281,400 Building $371,200
2023	$6,552.00	$560,000 Land $248,500 Building $311,500

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

Flood

FEMA maps place 610 Prospect St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms And 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 610 Prospect 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 244 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
Starlink Satellite	280 / 30

May also be available: AT&T.

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