65 E Main St, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 65 E Main St, Merrimac, MA 01860

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,070 sqft · built 2017
Lot Size	0.231 acres (10,103 sqft)
Owner	Individual Name on Record
Tax Bill	$6,413 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0026 B:0001 L:010-A`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0026 B:0001 L:010-A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,070 sqft Living Area
Gross Area	3,684 sqft
Basement Area	996 sqft
Unfinished Basement	996 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,103 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	65 E MAIN ST
City	MERRIMAC
State	MA
Zip	01860-2021
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RH
Legal Block	1
Legal Lot Number	10-A
Jurisdiction	MERRIMAC MA
Township / Civil Division	MERRIMAC
Census Block Group	3
Census Block	3014
Census Tract	262100

Owner

Source: Essex County and Merrimac Town 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	Individual Name on Record
Mailing Address	65 E MAIN ST, MERRIMAC, MA 01860-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Mar 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC
Jun 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	65 E MAIN ST, MERRIMAC, MA 01860-2021
Transaction Type	Mortgage
Record Updated	Mar 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040781-158
Date	Mar 10, 2022
Book Page	40781/158
Instrument	20220310001630

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	65 E MAIN ST, MERRIMAC, MA 01860-2021
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39633-146
Date	Mar 10, 2021
Book Page	39633/146
Instrument	20210310005530

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	65 E MAIN ST, MERRIMAC, MA 01860-2021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38570-480
Date	Jun 1, 2020
Book Page	38570/480
Instrument	20200601005930

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

Source: Essex County and Merrimac Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Merrimac Town
Unified School District	Pentucket School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,413.00 (+2.49%)	$486,200 (+2.96%) Building $486,200	$537,523 (-2.83%)
2025	$6,257.00 (+6.87%)	$472,200 (+8.88%) Building $472,200	$553,185
2024	$5,855.00 (-18.2%)	$433,700 (-10.5%) Building $433,700
2023	$7,158.00	$484,600 Building $484,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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.

Wildfire

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	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	MERRIMAC WATER DEPARTMENT serves 6,988 people · EPA ID MA3180000
Water Source	Groundwater
Last State Inspection	Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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