95 Cedar St, Haverhill, MA 01830 Property Records

Essex County and Haverhill City property record for 95 Cedar St, Haverhill, MA 01830

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,511 sqft · built 2001
Lot Size	0.272 acres (11,883 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (May 2017)
Tax Bill	$4,659 (2025)
Deeds & Mortgages	Dec 2022 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`611-495-18`

Property Details

APN / Parcel Number

Primary APN	`611-495-18`
Alternative APNs	`HAVE M:0611 B:00495 L:18-95` `M:0611 B:00495 L:18=95`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,511 sqft Living Area
Gross Area	2,216 sqft
Basement Area	565 sqft
Unfinished Basement	565 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,883 sqft
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	611-495-18
Street Address	95 CEDAR ST
City	HAVERHILL
State	MA
Zip	01830-3931
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	495
Legal Lot Number	18-95
Jurisdiction	HAVERHILL MA
Township / Civil Division	HAVERHILL
Census Block Group	3
Census Block	3004
Census Tract	260600

Owner

Source: Essex County and Haverhill City records, as of October 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	Individual Name on Record
Mailing Address	95 CEDAR ST, HAVERHILL, MA 01830-3931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 26, 2017	Quit Claim Deed, Transfer HAVERHILL, CITY OF

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2017 · Amount on Record
Deed Sale	May 26, 2017 · Amount on Record
Prior Sale	Dec 3, 2001 · Amount on Record
Deed Book / Page	35898 / 190
Transfer Doc	035898-190
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	95 CEDAR ST, HAVERHILL, MA 01830-3931
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041370-451
Date	Dec 27, 2022
Book Page	41370/451
Instrument	20221227000050

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2047

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	May 26, 2017
Property Address	95 CEDAR ST, HAVERHILL, MA 01830-3931
Document Number	35898-190
Book / Page	35898 / 190
Instrument	497
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 CEDAR ST, HAVERHILL, MA 01830-3931

Mortgage

Document Number	358980211
Date	May 26, 2017
Instrument	35898/0211

Lender

Name	HAVERHILL, CITY OF

Agreement

Amount	Amount Recorded

Mortgage

Document Number	35898-194
Date	May 26, 2017
Book Page	35898/194
Instrument	498

Lender

Name	MERRIMACK MTG CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,659.00 (+9.14%)	$435,000 (+8.42%) Building $435,000	$353,020
2024	$4,269.00 (+9.32%)	$401,200 (+14.56%) Building $401,200
2023	$3,905.00	$350,200 Building $350,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 601 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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