117 Pine St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 117 Pine St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,864 sqft · built 1958
Lot Size	0.224 acres (9,736 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Jul 2017)
Tax Bill	$12,072 (2025)
Deeds & Mortgages	Feb 2025 Refinance Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0041 B:0000 L:0007`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0041 B:0000 L:0007`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,864 sqft Living Area
Gross Area	5,668 sqft
Basement Area	1,784 sqft
Unfinished Basement	892 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,736 sqft (0.224 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	117 PINE ST
City	MANCHESTER
State	MA
Zip	01944-1019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Subdivision	MANCHESTER
Legal Lot Number	7
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	4
Census Block	4016
Census Tract	218100

Owner

117 Pine St is owned and occupied by two individuals who bought it in July 2017.

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	117 PINE ST, MANCHESTER, MA 01944-1019
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 19, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jun 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jul 31, 2017	Quit Claim Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on File
Deed Sale	Jul 31, 2017 · Amount on File
Prior Sale	Nov 17, 2011 · Amount on File
Deed Book / Page	36065 / 470
Transfer Doc	036065-470
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	117 PINE ST, MANCHESTER, MA 01944-1019
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042579-183
Date	Feb 19, 2025
Book Page	42579/183
Instrument	20250219000210

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	117 PINE ST, MANCHESTER, MA 01944-1019
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38646-396
Date	Jun 25, 2020
Book Page	38646/396
Instrument	20200625001090

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jul 31, 2017
Property Address	117 PINE ST, MANCHESTER, MA 01944-1019
Document Number	36065-470
Book / Page	036065 / 000470
Instrument Date	Jul 17, 2017
Instrument	1707310868
Transaction Type	Transfer
Record Updated	Aug 23, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,332.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	117 PINE ST MANCHESTER BY THE SEA MA 019441019, MANCHESTER BY THE SEA, MA 01944-1019

Mortgage

Document Number	36065-472
Date	Jul 31, 2017
Book Page	036065/000472
Instrument	1707310869

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 117 Pine St was $12,072, up 8.4% 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	$12,072.00 (+8.42%)	$1,319,300 (+10.79%) Land $411,500 Building $907,800	$1,556,100
2024	$11,134.00 (+2.26%)	$1,190,800 (+14.07%) Land $391,900 Building $798,900
2023	$10,888.00	$1,043,900 Land $351,100 Building $692,800

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

Flood

FEMA maps place 117 Pine St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1991.

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
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 117 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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