116 Central St, Ipswich, MA 01938 Property Records

Essex County and Ipswich Town property record for 116 Central St, Ipswich, MA 01938

Property Summary

Property Type	Bank, Financial Building
Details	1 ba · 1,612 sqft · built 1969
Lot Size	0.188 acres (8,188 sqft)
Owner	Company Name on Record
Last Sale	$475,000 (Apr 2025)
Tax Bill	$8,439 (2026)
Deeds & Mortgages	Apr 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`IPSW M:30D B:077A L:0`

Property Details

APN / Parcel Number

Primary APN	`IPSW M:30D B:077A L:0`
Alternative APN	`2475`

Interior

Full Baths	1 Bath
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,612 sqft Total Area
Gross Area	3,606 sqft
Basement Area	1,612 sqft
Finished Basement	1,612 sqft
Unfinished Basement	1,612 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,188 sqft (0.188 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2475
Street Address	116 CENTRAL ST
City	IPSWICH
State	MA
Zip	01938-1952
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	GB
Legal Block	77A
Jurisdiction	IPSWICH MA
Township / Civil Division	IPSWICH
Census Block Group	1
Census Block	1007
Census Tract	223200

Owner

Source: Essex County and Ipswich Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	116 CENTRAL ST, IPSWICH, MA 01938-1952
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2025 · Amount on Record
Deed Sale	Apr 8, 2025 · Amount on Record
Deed Book / Page	42652 / 214
Prior Transfer Date	Apr 7, 2025
Prior Transfer Doc	042652-214
Record Updated	Oct 29, 2026

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	IPSWICH MA
Recording Date	Apr 8, 2025
Property Address	116 CENTRAL ST, IPSWICH, MA 01938-1952
Document Number	042652-214
Book / Page	42652 / 214
Instrument Date	Apr 7, 2025
Instrument	20250408001890
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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	116 CENTRAL ST, IPSWICH, MA 01938-1952

Mortgage

Document Number	250408001900
Date	Apr 8, 2025
Instrument	250408001900

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Essex County and Ipswich Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Ipswich Town
Unified School District	Ipswich School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$8,439.00 (+0.52%)	$782,800 (+3.97%) Land $333,600 Building $449,200
2025	$8,395.00 (+9.78%)	$752,900 (+12.04%) Land $327,000 Building $425,900
2024	$7,647.00	$672,000 Land $325,100 Building $346,900

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	7 (1991–2010)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 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

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
Adjoins Burnable Land	Yes

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	IPSWICH DPU WATER DEPT serves 13,138 people · EPA ID MA3144000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	10 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880