Merrimac, MA
Essex County42.8337°N, 71.0024°W
Tracking 2,603 properties across Merrimac, Massachusetts — a community where the median home dates to 1979 and the oldest to 1657. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
2,603
Properties Tracked
1979
Median Year Built
$526K
Median Assessed Value
16%
FEMA Flood Zone
1.13M
NEP Data Facts Tracked
Zone 1
Radon Zone
Click any parcel to view intelligence
Merrimac, MAInc. 1638
Merrimac is a small town on the north bank of the Merrimack River, with a village center that retains its 19th-century character and surrounding neighborhoods that range from modest homes near the river to newer construction on the hillsides. The town's industrial heritage centered on carriage manufacturing, like neighboring Amesbury, but on a smaller scale.
For property professionals, Merrimac is typically encountered as part of the broader Merrimack Valley market. The river frontage creates flood zone exposure for properties near the water, and the older housing stock in the village center brings the age-related considerations common to small New England towns — older electrical systems, potential for lead paint, and construction techniques that predate modern building codes.
Risk Profile
FEMA flood zones, fire protection grades, radon — parcel by parcel
FEMA Flood Zones
425 properties (16%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
2,178
AE
247
A
178
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
426
Grade B
900
Grade C
592
Grade D
451
Grade E
234
Zone 1
Radon Risk
123 mph
Design Wind Speed
ASCE 7 standard
50 psf
Ground Snow Load
ASCE 7 standard
Relatively Low
FEMA Risk Index
NRI composite rating
The Property Landscape
2,603 properties · Median year built 1979 · Avg 2,217 sf
Property Types
Single Family
1,660
Institutional
220
Two-Family
186
Condominium
143
Vacant Land
125
Multi-Family
114
Other
51
Commercial
44
Mixed Use
27
Industrial
19
Construction by Era
Pre-1800
27
1800-1849
50
1850-1899
345
1900-1949
244
1950-1979
423
1980-1999
669
2000+
413
Architectural Styles
Colonial
628
Old Style
331
Condominium
282
Ranch
260
Cape Cod
235
Church / Synagogue
105
Multi-Family
95
Split Entry
94
Market Activity
Recorded transactions from Essex County Registry of Deeds
42
Sales (12 mo)
Arms-length transactions
$654K
Median Sale Price
Past 12 months
72%
Owner-Occupied
3%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 94% of Merrimac properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Building Permits & Maintenance
6,579 municipal building permits on file · 60% of properties
NE Provenance tracks 6,579 building permits across 1,572 Merrimac properties — 60% coverage. 1,089 properties have permit activity in the last five years.
Each permit record reveals maintenance decisions: roof replacements, electrical upgrades, kitchen renovations, solar installations. For insurance, lending, and appraisal professionals, permit history is the most objective evidence of property condition available from public records.
6,579
Permits on File
60%
Coverage
Properties with permits
1,089
Active (5yr)
Recent permit activity
83%
Condition Rated
NEP assessment
Living in Merrimac
Essex County · Massachusetts
Zip Codes01860
6,723
Population
2020 Census
2,603
Properties
$526K
Median Assessed
72%
Owner-Occupied
8.9
Square Miles
Merrimac covers 8.9 square miles in Essex County, Massachusetts. The median assessed property value is $526K.
Single-family homes account for 1,660 of Merrimac's 2,603 properties, with 143 condominiums and 302 multi-family buildings. There are 44 commercial properties and 125 parcels of vacant land. About 72% of properties are owner-occupied, and 3% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $419K and $657K, with the highest assessed property at $10.5M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
61% of properties are on municipal sewer, with the remainder on private septic systems, and 71% have public water service. Electric service is provided by Merrimac Municipal Light Department. 273 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Merrimac its character.
Environmental note: Merrimac has an average EPA lead paint indicator at the 62th percentile nationally, consistent with 422 properties built before 1900 when lead paint was standard. 366 properties exceed at least one EPA environmental justice threshold — a factor in lending compliance and environmental due diligence.
What Merrimac Property Intelligence Means for Professionals
Insurance & Underwriting
Merrimac's fire protection grade distribution (426 Grade A, 900 Grade B) directly affects premium calculation. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Merrimac's 10 property types, spanning construction from 1657 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 16% of Merrimac properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
6,579 permits across 60% of properties means most Merrimac inspection assignments can start with documented renovation and system history, not a blank slate.
Inspection solutionsExplore Merrimac property intelligence.
2,603 Merrimac properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/merrimac-ma. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.