Essex County and Haverhill City property record for 686 Main St, Haverhill, MA 01830
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,295 sqft · built 1949 |
| Lot Size | 0.198 acres (8,642 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Sep 2015) |
| Tax Bill | $4,502 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 617-511-1 |
| Primary APN | 617-511-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,295 sqft Living Area |
| Gross Area | 3,580 sqft |
| Basement Area | 1,118 sqft |
| Unfinished Basement | 1,118 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,642 sqft (0.198 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 617-511-1 |
|---|---|
| Street Address | 686 MAIN ST |
| City | HAVERHILL |
| State | MA |
| Zip | 01830-2644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 511 |
| Legal Lot Number | 1 |
| Jurisdiction | HAVERHILL MA |
| Township / Civil Division | HAVERHILL |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 260600 |
686 Main St is owned and occupied by an individual who bought it in September 2015.
Source: Essex County and Haverhill City records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 686 MAIN ST, HAVERHILL, MA 01830-2644 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2015 · Amount on File |
| Deed Sale | Sep 1, 2015 · Amount on File |
| Prior Sale | Dec 31, 1991 · Amount on File |
| Deed Document Number | 2015597 |
| Deed Book / Page | 34347 / 62 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 686 MAIN ST, HAVERHILL, MA 01830-2644 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39737-498 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 39737/498 |
| Instrument | 20210406003310 |
| Name | RTN FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2041 |
The 2025 property tax bill for 686 Main St was $4,502, up 5.8% from the year before.
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,502.00 (+5.83%) | $420,400 (+5.15%) Land $164,500 Building $255,900 | $452,770 |
| 2024 | $4,254.00 (+2.6%) | $399,800 (+7.53%) Land $156,700 Building $243,100 | |
| 2023 | $4,146.00 | $371,800 Land $156,700 Building $215,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 686 Main St in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 9 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 risk around 686 Main St is low, with 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 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 300 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 |
May also be available: T-Mobile.
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