105 Pine St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 105 Pine St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,151 sqft · built 1886
Lot Size	0.309 acres (13,473 sqft)
Owner	2 Individual Names on File
Last Sale	$1,220,000 (Jul 2021)
Tax Bill	$10,792 (2025)
Deeds & Mortgages	Feb 2025 Refinance Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0041 B:0000 L:0012`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0041 B:0000 L:0012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,151 sqft Living Area
Gross Area	5,591 sqft
Basement Area	1,437 sqft
Unfinished Basement	1,437 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,473 sqft (0.309 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	105 PINE ST
City	MANCHESTER
State	MA
Zip	01944-1019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Lot Number	12
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	4
Census Block	4016
Census Tract	218100

Owner

105 Pine St is owned and occupied by two individuals who bought it in July 2021.

Source: Essex County and Manchester-by-the-Sea Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	105 PINE ST, MANCHESTER, MA 01944-1019
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
Feb 11, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance MERIDIAN BANK
Oct 10, 2018	Deed of Trust, Mortgage SALEM FIVE CENTS SAVINGS BANK
Jul 9, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FALL RIVER FIVE CENTS SAVINGS BANK
Jul 27, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2021 · Amount on File
Deed Sale	Jul 9, 2021 · Amount on File
Prior Sale	Jul 27, 2020 · Amount on File
Deed Book / Page	40068 / 207
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	105 PINE ST, MANCHESTER, MA 01944-1019
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042570-102
Date	Feb 11, 2025
Book Page	42570/102
Instrument	20250211001860

Lender

Name	MERIDIAN BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	105 PINE ST, MANCHESTER, MA 01944-1019
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037072-149
Date	Oct 10, 2018
Book Page	37072/149
Instrument	181010002350

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jul 9, 2021
Property Address	105 PINE ST, MANCHESTER, MA 01944-1019
Document Number	040068-207
Book / Page	40068 / 207
Instrument Date	Jul 9, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	34 HANSON ST # 1, 1, BOSTON, MA 02118-3791

Mortgage

Document Number	0040068210
Date	Jul 9, 2021
Instrument	40068/210

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jul 27, 2020
Property Address	105 PINE ST, MANCHESTER, MA 01944-1019
Document Number	038754-449
Book / Page	38754 / 449
Instrument Date	Jul 24, 2020
Instrument	20200727004610
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	105 PINE ST, MANCHESTER, MA 01944-1019

Mortgage

Document Number	200727004620
Date	Jul 27, 2020
Instrument	200727004620

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 105 Pine St was $10,792, up 7.5% from the year before.

Source: Essex County and Manchester-by-the-Sea Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Manchester-by-the-Sea Town
Unified School District	Manchester Essex Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,792.00 (+7.52%)	$1,179,500 (+9.87%) Land $428,000 Building $751,500	$1,564,175
2024	$10,037.00 (+1.63%)	$1,073,500 (+13.37%) Land $407,600 Building $665,900
2023	$9,876.00	$946,900 Land $365,100 Building $581,800

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

Flood

FEMA maps place 105 Pine St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	4 (1991–2018)
Most Recent Claim	Jan 2018 · tidal / storm surge

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

Wildfire risk around 105 Pine St is low, with a 0.01% annual chance of 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	MANCHESTER BY THE SEA DPW serves 5,201 people · EPA ID MA3166000
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	1 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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