7 Locust St, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 7 Locust St, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1961
Lot Size	0.289 acres (12,576 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,000 (Sep 2019)
Tax Bill	$7,102 (2025)
Deeds & Mortgages	Apr 2021 Refinance Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0021 B:0180 L` `5046`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	2,412 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,576 sqft (0.289 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	5046
Street Address	7 LOCUST ST
City	BEVERLY
State	MA
Zip	01915-3705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Subdivision	ELIZABETH A HALL
Legal Block	180
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	2
Census Block	2003
Census Tract	217500

Owner

Source: Essex County and Beverly City records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7 LOCUST ST, BEVERLY, MA 01915-3705
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Sep 27, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2019 · Amount on Record
Deed Sale	Sep 27, 2019 · Amount on Record
Deed Document Number	2019
Deed Book / Page	37884 / 158
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	7 LOCUST ST, BEVERLY, MA 01915-3705
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039816-207
Date	Apr 28, 2021
Book Page	39816/207
Instrument	20210428004580

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Sep 27, 2019
Property Address	7 LOCUST ST, BEVERLY, MA 01915-3705
Document Number	37884-158
Book / Page	037884 / 000158
Instrument Date	Sep 23, 2019
Instrument	1909276600
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,074.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7 LOCUST ST BEVERLY MA 019153705, BEVERLY, MA 01915-3705

Mortgage

Document Number	37884-160
Date	Sep 27, 2019
Book Page	037884/000160
Instrument	1909276610

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

Tax Assessment & Valuation

Source: Essex County and Beverly City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Beverly City
Unified School District	Beverly School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,102.00 (+7.46%)	$646,200 (+9.8%) Land $450,600 Building $195,600	$592,610
2024	$6,609.00 (+4.9%)	$588,500 (+5.18%) Land $392,900 Building $195,600
2023	$6,300.00	$559,500 Land $364,000 Building $195,500

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	27 (1978–2011)
Claims Outside the SFHA	7 of 27
Most Recent Claim	Oct 2011 · other causes
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 4 claims Winter Coastal Storm, Dec 1992 · 3 claims Coastal Storm, Oct 1991 · 4 claims

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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BEVERLY WATER DEPT serves 47,461 people · EPA ID MA3030000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Nov 2025

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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