Essex County and Marblehead Town property record for 7 Cottage St, Marblehead, MA 01945
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 910 sqft · built 1875 |
| Lot Size | 0.069 acres (2,984 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $910,000 (Apr 2026) |
| Tax Bill | $6,295 (2026) |
| Deeds & Mortgages | Oct 2025 Line of Credit Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MARB M:0110 B:0024 L:0 |
| Primary APN | MARB M:0110 B:0024 L:0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 910 sqft Living Area |
| Gross Area | 1,942 sqft |
| Basement Area | 520 sqft |
| Unfinished Basement | 520 sqft |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,984 sqft (0.069 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 7 COTTAGE ST |
|---|---|
| City | MARBLEHEAD |
| State | MA |
| Zip | 01945-3027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BR |
| Legal Block | 24 |
| Jurisdiction | MARBLEHEAD MA |
| Township / Civil Division | MARBLEHEAD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 203200 |
Source: Essex County and Marblehead 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage · Line of Credit MARBLEHEAD SAVINGS BANK |
| Apr 6, 2026 | Quit Claim Deed, Transfer · ARM LEADER BANK NA |
| Jan 16, 2024 | Quit Claim Deed, Transfer |
| Aug 1, 2017 | Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2026 · Amount on Record |
| Deed Sale | Apr 6, 2026 · Amount on Record |
| Prior Sale | Jan 16, 2024 · Amount on Record |
| Deed Document Number | 20261610 |
| Deed Book / Page | 43314 / 321 |
| Prior Transfer Date | Dec 21, 2023 |
| Prior Transfer Doc | 041949-475 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 7 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 043008-416 |
|---|---|
| Date | Oct 16, 2025 |
| Book Page | 43008/416 |
| Instrument | 20251016000070 |
| Name | MARBLEHEAD SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Recording Date | Apr 6, 2026 |
| Property Address | 7 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Document Number | 043314-321 |
| Book / Page | 43314 / 321 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 20261610 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Date | Apr 6, 2026 |
|---|
| Name | LEADER BANK NA |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Type Change Date | May 1, 2031 |
| Index | LIBOR |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Recording Date | Jan 16, 2024 |
| Property Address | 7 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Document Number | 041949-475 |
| Book / Page | 41949 / 475 |
| Instrument Date | Dec 21, 2023 |
| Instrument | 20240116002310 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARBLEHEAD MA |
| Property Address | 7 COTTAGE ST, MARBLEHEAD, MA 01945-3027 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36067-225 |
|---|---|
| Date | Aug 1, 2017 |
| Book Page | 36067/225 |
| Instrument | 240 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 1, 2037 |
Source: Essex County and Marblehead Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Marblehead Town |
| Unified School District | Marblehead School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,295.00 (+6.03%) | $735,400 (+12.1%) Land $518,100 Building $217,300 | $853,034 (+34.12%) |
| 2025 | $5,937.00 (-7.1%) | $656,000 (-8.03%) Land $485,800 Building $170,200 | $636,025 |
| 2024 | $6,391.00 (+13.5%) | $713,300 (+26.67%) Land $528,900 Building $184,400 | |
| 2023 | $5,631.00 | $563,100 Land $410,200 Building $152,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 56 (1978–2018) |
| Claims Outside the SFHA | 6 of 56 |
| Most Recent Claim | Mar 2018 · Severe Winter Storm And Flooding |
| Claims by Event |
|
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.
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 | MARBLEHEAD WATER DEPT. (MWRA) serves 20,441 people · EPA ID MA3168000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Mar 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 759 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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