85 W Main St, Georgetown, MA 01833 Property Records

Essex County and Georgetown Town property record for 85 W Main St, Georgetown, MA 01833

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 2,180 sqft · built 1850
Lot Size	0.326 acres (14,210 sqft)
Owner	2 Individual Names on File
Last Sale	$739,000 (Sep 2026)
Tax Bill	$9,558 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`GEOR M:0006C B:00000 L:00146`

Property Details

APN / Parcel Number

Primary APN	`GEOR M:0006C B:00000 L:00146`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,180 sqft Living Area
Gross Area	3,970 sqft
Basement Area	1,090 sqft
Unfinished Basement	1,090 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,210 sqft (0.326 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	85 W MAIN ST
City	GEORGETOWN
State	MA
Zip	01833-1524
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RA
Legal Lot Number	146
Jurisdiction	GEORGETOWN MA
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1011
Census Tract	265101

Owner

85 W Main St, a duplex, is owned and occupied by two individuals who bought it in September 2026.

Source: Essex County and Georgetown Town records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	85 W MAIN ST, GEORGETOWN, MA 01833-1524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed, Transfer · Conventional Mortgage GUARANTEED RATE
May 21, 2026	Deed of Trust, Mortgage · Line of Credit
Apr 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT
May 6, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 24, 2019	Deed of Trust, Mortgage · Balloon Mortgage CENTURY BANK & TRUST
Feb 15, 2018	Quit Claim Deed, Transfer INST SVGS NEWBURYPORT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on File
Deed Sale	Sep 30, 2026 · Amount on File
Prior Sale	Jul 1, 1982 · Amount on File
Deed Document Number	20265750
Deed Book / Page	43662 / 150
Prior Transfer Date	Apr 25, 2022
Prior Transfer Doc	0040916-59
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GEORGETOWN MA
Recording Date	Sep 30, 2026
Property Address	85 W MAIN ST, GEORGETOWN, MA 01833-1524
Document Number	0000005750
Book / Page	43662 / 150
Instrument Date	Sep 18, 2026
Instrument	20265750
Transaction Type	Transfer
Record Updated	Oct 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	85 W MAIN ST, GEORGETOWN, MA 01833-1524

Mortgage

Date	Sep 30, 2026

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Recording Date	May 21, 2026
Property Address	85 W MAIN ST, GEORGETOWN, MA 01833-1524
Document Number	043398-318
Book / Page	43398 / 318
Instrument Date	May 15, 2026
Instrument	2026250
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000250,
Date	May 21, 2026
Book Page	43398/318
Instrument	2026250

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	85 W MAIN ST, GEORGETOWN, MA 01833-1524
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040898-243
Date	Apr 29, 2022
Book Page	40898/243
Instrument	20220429001040

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GEORGETOWN MA
Recording Date	May 6, 2022
Property Address	85 W MAIN ST, GEORGETOWN, MA 01833-1524
Document Number	0040916-59
Book / Page	40916 / 59
Instrument Date	Apr 25, 2022
Instrument	20220506001060
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 W MAIN ST, GEORGETOWN, MA 01833-1524

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEORGETOWN MA
Property Address	85 W MAIN ST, GEORGETOWN, MA 01833-1524
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37867-347
Date	Sep 24, 2019
Book Page	37867/347
Instrument	20190924000500

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GEORGETOWN MA
Recording Date	Feb 15, 2018
Property Address	85 W MAIN ST, GEORGETOWN, MA 01833-1524
Document Number	36534-469
Book / Page	36534 / 469
Instrument	180215003120
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$45.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 W MAIN ST, GEORGETOWN, MA 01833-1524

Mortgage

Document Number	36534-473
Date	Feb 15, 2018
Book Page	36534/473
Instrument	180215003140

Lender

Name	INST SVGS NEWBURYPORT
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 85 W Main St was $9,558, up 52.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,558.00 (+52.71%)	$694,600 (+22.74%) Land $231,800 Building $462,800	$714,653
2025	$6,259.00 (-2.54%)	$565,900 (+10.59%) Land $231,800 Building $334,100
2024	$6,422.00 (-5.42%)	$511,700 (-2.18%) Land $159,900 Building $351,800
2023	$6,790.00	$523,100 Land $159,900 Building $363,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 85 W Main St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1996.

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	4 in force
Nearby Flood Claims	8 (1996–2010)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 3 claims Flooding, Apr 2004 · 2 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 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

Wildfire risk around 85 W 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GEORGETOWN WATER DEPARTMENT serves 8,766 people · EPA ID MA3105000
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Jul 2018
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 238 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

Cell Coverage

5G (outdoors only) and 4G LTE

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