991 Main St, Haverhill, MA 01830 Property Records

Essex County and Haverhill City property record for 991 Main St, Haverhill, MA 01830

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,450 sqft · built 1900
Lot Size	0.396 acres (17,245 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Nov 2019)
Tax Bill	$6,446 (2025)
Deeds & Mortgages	Oct 2023 Refinance Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`635-6-3`

Property Details

APN / Parcel Number

Primary APN	`635-6-3`
Alternative APN	`HAVE M:0635 B:00006 L:3`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,450 sqft Living Area
Gross Area	5,109 sqft
Basement Area	1,159 sqft
Unfinished Basement	1,159 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,245 sqft (0.396 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	635-6-3
Street Address	991 MAIN ST
City	HAVERHILL
State	MA
Zip	01830-2011
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	6
Legal Lot Number	3
Jurisdiction	HAVERHILL MA
Township / Civil Division	HAVERHILL
Census Block Group	1
Census Block	1008
Census Tract	260401

Owner

Source: Essex County and Haverhill City 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 Individual Names on Record
Mailing Address	61 MARBLE AVE, LAWRENCE, MA 01841-4912
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
Mar 24, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Nov 18, 2019	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2019 · Amount on Record
Deed Sale	Nov 18, 2019 · Amount on Record
Prior Sale	Sep 30, 1987 · Amount on Record
Deed Book / Page	38036 / 510
Prior Transfer Date	Oct 28, 2019
Prior Transfer Doc	38036-510
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	991 MAIN ST, HAVERHILL, MA 01830-2011
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041824-306
Date	Oct 25, 2023
Book Page	41824/306
Instrument	20231025000300

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2048

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAVERHILL MA
Property Address	991 MAIN ST, HAVERHILL, MA 01830-2011
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039682-146
Date	Mar 24, 2021
Book Page	39682/146
Instrument	20210324003340

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAVERHILL MA
Recording Date	Nov 18, 2019
Property Address	991 MAIN ST, HAVERHILL, MA 01830-2011
Document Number	38036-510
Book / Page	38036 / 510
Instrument Date	Oct 28, 2019
Instrument	20191118003790
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Joint Tenants
Address	61 MARBLE AVE, LAWRENCE, MA 01841-4912

Mortgage

Document Number	191118003800
Date	Nov 18, 2019
Instrument	191118003800

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Essex County and Haverhill City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Haverhill City
Unified School District	Haverhill School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,446.00 (+9.85%)	$601,900 (+9.14%) Land $180,300 Building $421,600	$695,538
2024	$5,868.00 (+3.29%)	$551,500 (+8.24%) Land $171,700 Building $379,800
2023	$5,681.00	$509,500 Land $171,700 Building $337,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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

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	HAVERHILL WATER DEPT serves 61,277 people · EPA ID MA3128000
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) 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 215 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

991 Main St, Haverhill, MA 01830 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Main St

Nearby Streets

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