97 E Main St, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 97 E Main St, Merrimac, MA 01860

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,360 sqft · built 1828
Lot Size	0.231 acres (10,041 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Dec 2021)
Tax Bill	$6,476 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0043 B:0001 L:00003`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0043 B:0001 L:00003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,360 sqft Living Area
Gross Area	2,278 sqft
Basement Area	520 sqft
Unfinished Basement	520 sqft

Exterior

Year Built	Built 1828
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,041 sqft (0.231 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	97 E MAIN ST
City	MERRIMAC
State	MA
Zip	01860-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RH
Legal Block	1
Legal Lot Number	3
Jurisdiction	MERRIMAC MA
Township / Civil Division	MERRIMAC
Census Block Group	3
Census Block	3014
Census Tract	262100

Owner

Source: Essex County and Merrimac 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	Individual Name on Record
Mailing Address	90 E MAIN ST, MERRIMAC, MA 01860-1646
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit BANKESB
Dec 10, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2021 · Amount on Record
Deed Sale	Dec 10, 2021 · Amount on Record
Deed Book / Page	40565 / 221
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	97 E MAIN ST, MERRIMAC, MA 01860-1613
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042990-222
Date	Oct 6, 2025
Book Page	42990/222
Instrument	20251006002360

Lender

Name	BANKESB

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERRIMAC MA
Recording Date	Dec 10, 2021
Property Address	97 E MAIN ST, MERRIMAC, MA 01860-1613
Document Number	040565-221
Book / Page	40565 / 221
Instrument Date	Dec 10, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
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
Address	97 E MAIN ST, MERRIMAC, MA 01860-1613

Mortgage

Document Number	0040565223
Date	Dec 10, 2021
Instrument	40565/223

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,476.00 (+1.16%)	$491,000 (+1.61%) Land $288,000 Building $201,800	$519,633 (+34.2%)
2025	$6,402.00 (+2.89%)	$483,200 (+4.84%) Land $288,000 Building $195,200	$387,220
2024	$6,222.00 (+6.93%)	$460,900 (+16.98%) Land $272,000 Building $188,900
2023	$5,819.00	$394,000 Land $230,400 Building $163,600

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
Nearby Flood Policies	8 in force

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 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	MERRIMAC WATER DEPARTMENT serves 6,988 people · EPA ID MA3180000
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	2 ppb (2025) 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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