11 Mill St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 11 Mill St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,290 sqft · built 1940
Lot Size	1.01 acres (44,083 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Aug 2025)
Tax Bill	$11,668 (2025)
Deeds & Mortgages	Aug 2022 Refinance Jul 2023 Refinance + 10 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0038 B:0000 L:0010`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0038 B:0000 L:0010`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,290 sqft Living Area
Gross Area	7,054 sqft
Basement Area	2,416 sqft
Unfinished Basement	1,522 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,083 sqft (1.01 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11 MILL ST
City	MANCHESTER
State	MA
Zip	01944-1231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Lot Number	10
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	2
Census Block	2002
Census Tract	218100

Owner

11 Mill St is owned and occupied by two individuals who bought it in August 2025.

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	11 MILL ST, MANCHESTER, MA 01944-1231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance JANE PEREIRA
Jul 12, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance JANE PEREIRA
Jul 12, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SALUTAX LLC
Aug 31, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CROWD LENDING FUND
Sep 22, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance JANE PEREIRA
Sep 22, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SALUTAX LLC
Apr 29, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance GREENBOX LOANS INC
Aug 29, 2025	Quit Claim Deed, Transfer
Feb 7, 2023	Quit Claim Deed, Transfer · Stand-Alone Refinance CROWD LENDING CAPITAL LLC
Dec 14, 2022	Quit Claim Deed, Transfer Quitclaim
May 24, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage STEVEN A ROSS
Jul 25, 2019	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	May 24, 2022 · Amount on File
Deed Document Number	20256710
Deed Book / Page	42923 / 495
Prior Transfer Date	Aug 27, 2025
Prior Transfer Doc	042923-495
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041134-109
Date	Aug 16, 2022
Book Page	41134/109
Instrument	20220816003500

Lender

Name	JANE PEREIRA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	13 Months
Due	Sep 1, 2023

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041657-532
Date	Jul 12, 2023
Book Page	41657/532
Instrument	20230712002060

Lender

Name	JANE PEREIRA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041657-521
Date	Jul 12, 2023
Book Page	41657/521
Instrument	20230712002050

Lender

Name	SALUTAX LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041739-99
Date	Aug 31, 2023
Book Page	41739/99
Instrument	20230831000350

Lender

Name	CROWD LENDING FUND

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041772-331
Date	Sep 22, 2023
Book Page	41772/331
Instrument	20230922000050

Lender

Name	JANE PEREIRA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041772-341
Date	Sep 22, 2023
Book Page	41772/341
Instrument	20230922000060

Lender

Name	SALUTAX LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042090-238
Date	Apr 29, 2024
Book Page	42090/238
Instrument	20240429003220

Lender

Name	GREENBOX LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Aug 29, 2025
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Document Number	042923-495
Book / Page	42923 / 495
Instrument Date	Aug 27, 2025
Instrument	20250829006710
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount 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	11 MILL ST, MANCHESTER, MA 01944-1231
Investor	Possibly a Property Investor

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Feb 7, 2023
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Document Number	041428-156
Book / Page	41428 / 156
Instrument Date	Feb 6, 2023
Instrument	20230207000150
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 COOLIDGE RD, MILFORD, MA 01757-3712

Mortgage

Document Number	20230207000170
Date	Feb 7, 2023
Instrument	20230207000170

Lender

Name	CROWD LENDING CAPITAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Dec 14, 2022
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Document Number	041350-381
Book / Page	41350 / 381
Instrument Date	Nov 28, 2022
Instrument	20221214001270
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8 EDGEWOOD DR, MILFORD, MA 01757-1524

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	May 24, 2022
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Document Number	040954-245
Book / Page	40954 / 245
Instrument Date	May 20, 2022
Instrument	20220524002430
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount 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	1 STONE LN APT 2319, 2319, MALDEN, MA 02148-1567

Mortgage

Document Number	220524002440
Date	May 24, 2022
Instrument	220524002440

Lender

Name	STEVEN A ROSS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	MANCHESTER MA
Recording Date	Jul 25, 2019
Property Address	11 MILL ST, MANCHESTER, MA 01944-1231
Document Number	37694-144
Book / Page	037694 / 000144
Instrument Date	Jul 10, 2019
Instrument	190725680
Transaction Type	Foreclosure
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2,297.94
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14405 WALTERS RD #200 HOUSTON TX 770141345, 200, HOUSTON, TX 77014-1345

Tax Assessment & Valuation

The 2025 property tax bill for 11 Mill St was $11,668, up 15.6% 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	$11,668.00 (+15.57%)	$1,275,200 (+18.1%) Land $456,300 Building $818,900	$1,006,240
2024	$10,096.00 (+54.02%)	$1,079,800 (+71.81%) Land $435,100 Building $644,700
2023	$6,555.00	$628,500 Land $392,600 Building $235,900

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

Flood

FEMA maps place 11 Mill 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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (1996–2006)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Jun 2006 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 10 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims

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 11 Mill 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

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