109 Pine St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 109 Pine St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,975 sqft · built 1920
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on File
Last Sale	$910,000 (Apr 2022)
Tax Bill	$9,425 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0041 B:0000 L:0011`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0041 B:0000 L:0011`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,975 sqft Living Area
Gross Area	3,470 sqft
Basement Area	1,068 sqft
Unfinished Basement	1,068 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,000 sqft (0.321 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	109 PINE ST
City	MANCHESTER
State	MA
Zip	01944-1019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Lot Number	11
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	4
Census Block	4016
Census Tract	218100

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	109 PINE ST, MANCHESTER, MA 01944-1019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Apr 21, 2022	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 21, 2022 · Amount on Record
Deed Sale	Apr 21, 2022 · Amount on Record
Deed Document Number	20222500
Deed Book / Page	40880 / 231
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	109 PINE ST, MANCHESTER, MA 01944-1019
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040993-362
Date	Jun 10, 2022
Book Page	40993/362
Instrument	20220610002390

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Type Change Date	Jul 1, 2032
Index	Other

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Apr 21, 2022
Property Address	109 PINE ST, MANCHESTER, MA 01944-1019
Document Number	040880-231
Book / Page	40880 / 231
Instrument Date	Apr 14, 2022
Instrument	20220421002500
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PINE ST, MANCHESTER, MA 01944-1019

Tax Assessment & Valuation

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	$9,425.00 (+30.9%)	$1,030,100 (+33.78%) Land $430,300 Building $599,800	$1,344,820
2024	$7,200.00 (+15.44%)	$770,000 (+28.76%) Land $409,800 Building $360,200
2023	$6,237.00	$598,000 Land $367,100 Building $230,900

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 at the parcel

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 USA Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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