Essex County and Methuen City property record for 654 Prospect St, Methuen, MA 01844
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,023 sqft · built 1950 |
| Lot Size | 0.111 acres (4,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $182,000 (Jun 2001) |
| Tax Bill | $4,811 (2026) |
| Deeds & Mortgages | Jan 2022 Refinance Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11775 |
| Primary APN | 11775 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,023 sqft Living Area |
| Gross Area | 2,187 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,840 sqft (0.111 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Pool |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 11775 |
|---|---|
| Street Address | 654 PROSPECT ST |
| City | METHUEN |
| State | MA |
| Zip | 01844-4036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Block | 81 |
| Legal Lot Number | 39 |
| Jurisdiction | METHUEN MA |
| Township / Civil Division | METHUEN TOWN |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 252502 |
654 Prospect St is owned and occupied by two individuals who bought it in June 2001.
Source: Essex County and Methuen City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 654 PROSPECT ST, METHUEN, MA 01844-4036 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Sep 12, 2019 | Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2001 · Amount on File |
| Deed Sale | Jun 1, 2001 · Amount on File |
| Prior Sale | Jun 29, 1990 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | METHUEN MA |
| Property Address | 654 PROSPECT ST, METHUEN, MA 01844-4036 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 017325-282 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | 17325/282 |
| Instrument | 2403 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | METHUEN MA |
| Property Address | 654 PROSPECT ST, METHUEN, MA 01844-4036 |
| Document Number | 16001-334 |
| Instrument Date | Sep 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 654 PROSPECT ST METHUEN MA 018444036, METHUEN, MA 01844-4036 |
| Document Number | 16001-334 |
|---|---|
| Date | Sep 18, 2019 |
| Book Page | 016001/000334 |
| Instrument | 22736 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 17, 2049 |
The 2026 property tax bill for 654 Prospect St was $4,811, up 5.1% from the year before.
Source: Essex County and Methuen City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Methuen City |
| Unified School District | Methuen School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,811.00 (+5.11%) | $462,600 (+6.93%) Land $191,900 Building $270,700 | $486,979 (+9.18%) |
| 2025 | $4,577.00 (+1.33%) | $432,600 (+4.02%) Land $191,900 Building $240,700 | $446,025 |
| 2024 | $4,517.00 (+6.86%) | $415,900 (+15.11%) Land $175,100 Building $240,800 | |
| 2023 | $4,227.00 | $361,300 Land $155,600 Building $205,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 654 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.
The area around 654 Prospect St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 196 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 |
| AT&T Fixed Wireless | 100 / 20 |
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