98 Elm St, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 98 Elm St, Marblehead, MA 01945

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,481 sqft · built 1910
Lot Size	0.171 acres (7,436 sqft)
Owner	2 Company Names on File
Last Sale	$500,000 (Sep 2002)
Tax Bill	$10,120 (2025)
Deeds & Mortgages	May 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0134 B:0037 L:0`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0134 B:0037 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,481 sqft Living Area
Gross Area	2,470 sqft
Basement Area	812 sqft
Unfinished Basement	812 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	7,436 sqft (0.171 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	98 ELM ST
City	MARBLEHEAD
State	MA
Zip	01945-3422
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	CR
Legal Subdivision	DONALD S GRAVES
Legal Block	37
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	2
Census Block	2009
Census Tract	203302

Owner

Source: Essex County and Marblehead Town records · APN MARB M:0134 B:0037 L:0

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	98 ELM ST, MARBLEHEAD, MA 01945-3422
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 06, 2002 · Amount on Record
Deed Sale	Sep 06, 2002 · Amount on Record
Prior Sale	Jul 15, 1997 · Amount on Record
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARBLEHEAD MA
Property Address	98 ELM ST, MARBLEHEAD, MA 01945-3422
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39927-239
Date	May 28, 2021
Book Page	39927/239
Instrument	20210528001680

Lender

Name	MARBLEHEAD SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 01, 2041

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Essex County and Marblehead Town records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$10,120.00 (+8.9%)	$1,118,200 (+7.81%) Land $802,900 Building $315,300
2024	$9,293.00 (+2.03%)	$1,037,200 (+13.88%) Land $802,900 Building $234,300
2023	$9,108.00	$910,800 Land $691,700 Building $219,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	38 units insured incl. 29 condo units
Nearby Flood Claims	20 (1978–2018)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Mar 2018 · Severe Winter Storm And Snowstorm
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 2 claims Coastal Storm, Oct 1991 · 5 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 6 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the Marblehead Historic District listed 1984 · 988 contributing resources · NRIS 84002402

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 949 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MARBLEHEAD WATER DEPT. (MWRA) serves 20,441 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.