99 E Main St, Merrimac, MA 01860 Property Records

Essex County and Merrimac Town property record for 99 E Main St, Merrimac, MA 01860

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3 bd · 3 ba · 4,880 sqft · built 1991
Lot Size	0.732 acres (31,899 sqft)
Owner	2 Company Names on Record
Last Sale	$750,000 (Jun 2023)
Tax Bill	$10,320 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MERR M:0043 B:0001 L:002-A`

Property Details

APN / Parcel Number

Primary APN	`MERR M:0043 B:0001 L:002-A`
Alternative APN	`M:0043 B:0001 L:002=A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Units	2 Units
Building Area	4,880 sqft Living Area
Gross Area	7,852 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	31,899 sqft (0.732 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	99 E MAIN ST
City	MERRIMAC
State	MA
Zip	01860-1613
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	RH
Legal Subdivision	MERRIMAC
Legal Block	1
Legal Lot Number	2-A
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	2 Company Names on Record
Mailing Address	99 E MAIN ST, MERRIMAC, MA 01860-1613
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE CENTS SAVINGS BANK
Aug 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Mar 4, 2002 · Amount on Record
Prior Transfer Date	Jun 29, 2023
Prior Transfer Doc	041639-261
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERRIMAC MA
Recording Date	Jun 30, 2023
Property Address	99 E MAIN ST, MERRIMAC, MA 01860-1613
Document Number	041639-261
Book / Page	41639 / 261
Instrument Date	Jun 29, 2023
Instrument	20230630000120
Transaction Type	Transfer
Record Updated	Jul 19, 2023

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	99 E MAIN ST, MERRIMAC, MA 01860-1613

Mortgage

Document Number	230630000140
Date	Jun 30, 2023
Instrument	230630000140

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERRIMAC MA
Property Address	99 E MAIN ST, MERRIMAC, MA 01860-1613
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40137-61
Date	Aug 2, 2021
Book Page	40137/61
Instrument	20210802003290

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

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	$10,320.00 (+2.23%)	$782,400 (+2.69%) Land $237,300 Building $545,100	$724,995 (-1.68%)
2025	$10,095.00 (-2.86%)	$761,900 (-1.03%) Land $233,400 Building $528,500	$737,390
2024	$10,392.00 (+8.97%)	$769,800 (+19.22%) Land $233,400 Building $536,400
2023	$9,537.00	$645,700 Land $194,500 Building $451,200

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 · 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	Direct burnable vegetation

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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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