97 Lafayette St, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 97 Lafayette St, Marblehead, MA 01945

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,320 sqft · built 1940
Lot Size	0.218 acres (9,514 sqft)
Owner	Individual Name on File
Last Sale	$404,000 (Jul 2003)
Tax Bill	$6,302 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0053 B:0036 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0053 B:0036 L:0`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,320 sqft Living Area
Gross Area	2,792 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,514 sqft (0.218 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	97 LAFAYETTE ST
City	MARBLEHEAD
State	MA
Zip	01945-1158
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	36
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	1
Census Block	1007
Census Tract	203100

Owner

97 Lafayette St is owned and occupied by an individual who bought it in July 2003.

Source: Essex County and Marblehead Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	97 LAFAYETTE ST, MARBLEHEAD, MA 01945-1158
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
Jul 2, 2025	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Oct 28, 2019	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE EQUITY PTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2003 · Amount on File
Deed Sale	Jul 9, 2003 · Amount on File
Prior Sale	Jul 17, 2001 · Amount on File
Deed Book / Page	21212 / 530
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	97 LAFAYETTE ST, MARBLEHEAD, MA 01945-1158
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042813-61
Date	Jul 2, 2025
Book Page	42813/61
Instrument	20250702003230

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2045

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	97 LAFAYETTE ST, MARBLEHEAD, MA 01945-1158
Document Number	37990-597
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 LAFAYETTE ST MARBLEHEAD MA 019451158, MARBLEHEAD, MA 01945-1158

Mortgage

Document Number	37990-597
Date	Nov 1, 2019
Book Page	037990/000597
Instrument	1101001080

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 31, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 97 Lafayette St was $6,302, down 5.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,302.00 (-5.86%)	$736,200 (-0.47%) Land $497,100 Building $239,100	$764,439 (-2.66%)
2025	$6,694.00 (+21.98%)	$739,700 (+20.77%) Land $523,200 Building $216,500	$785,365
2024	$5,488.00 (-12.29%)	$612,500 (-2.11%) Land $470,900 Building $141,600
2023	$6,257.00	$625,700 Land $470,900 Building $154,800

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

Flood

FEMA maps place 97 Lafayette St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jan 1979 · 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

The area around 97 Lafayette St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MARBLEHEAD WATER DEPT. (MWRA) serves 20,441 people · EPA ID MA3168000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 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	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 725 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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