97 Beach St, Malden, MA 02148 Property Records

Middlesex County and Malden City property record for 97 Beach St, Malden, MA 02148

Property Summary

Property Type	Single Family Home
Details	6 bd · 1.5 ba · 2,460 sqft · built 1920
Lot Size	0.118 acres (5,153 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (May 2002)
Tax Bill	$7,660 (2026)
Deeds & Mortgages	Aug 2021 Refinance Aug 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MALD M:170 B:514 L:411`

Property Details

APN / Parcel Number

Primary APN	`MALD M:170 B:514 L:411`

Interior

Bedrooms	6 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,460 sqft Living Area
Gross Area	4,781 sqft
Basement Area	1,115 sqft
Unfinished Basement	1,115 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,153 sqft (0.118 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	97 BEACH ST
City	MALDEN
State	MA
Zip	02148-4613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Block	514
Legal Lot Number	411
Jurisdiction	MALDEN MA
Township / Civil Division	MALDEN
Census Block Group	3
Census Block	3006
Census Tract	341904

Owner

97 Beach St is owned and occupied by an individual who bought it in May 2002.

Source: Middlesex County and Malden City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	97 BEACH ST, MALDEN, MA 02148-4613
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WATERMARK CAPITAL INC
Aug 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WATERMARK CAPITAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2002 · Amount on File
Deed Sale	May 1, 2002 · Amount on File
Deed Book / Page	1251 / 140
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MALDEN MA
Property Address	97 BEACH ST, MALDEN, MA 02148-4613
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001891173
Date	Aug 23, 2021
Instrument	1891173

Lender

Name	WATERMARK CAPITAL INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2031

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MALDEN MA
Property Address	97 BEACH ST, MALDEN, MA 02148-4613
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1891173
Date	Aug 23, 2021
Instrument	1891173

Lender

Name	WATERMARK CAPITAL INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2031

Tax Assessment & Valuation

The 2026 property tax bill for 97 Beach St was $7,660, up 10,113.3% from the year before.

Source: Middlesex County and Malden City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Malden City
Unified School District	Malden School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,660.00 (+10,113.33%)	$671,900 (+1.22%) Land $290,600 Building $375,400	$794,010 (+7.51%)
2025	$75.00 (-98.93%)	$663,800 (+10.63%) Land $282,300 Building $381,500	$738,530
2024	$7,014.00 (+0.88%)	$600,000 (+5.19%) Land $265,700 Building $334,300
2023	$6,953.00	$570,400 Land $240,800 Building $329,600

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

Flood

FEMA maps place 97 Beach St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Dec 2020 · rainfall accumulation

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 97 Beach St is low, with less than 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 99.1% of the US · lower than 98.7% 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	MALDEN WATER DIVISION (MWRA) serves 66,263 people · EPA ID MA3165000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
Lead	10 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Mar 2016
Monitoring and Reporting	3 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 595 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Netafy Fixed Wireless	520 / 116

May also be available: AT&T, Starry, T-Mobile.

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