118 Pine St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 118 Pine St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,025 sqft · built 1925
Lot Size	0.145 acres (6,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$710,000 (May 2006)
Tax Bill	$9,106 (2025)
Deeds & Mortgages	Jan 2022 Refinance May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0030 B:0000 L:0043`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0030 B:0000 L:0043`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,025 sqft Living Area
Gross Area	3,116 sqft
Basement Area	810 sqft
Unfinished Basement	405 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,325 sqft (0.145 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	118 PINE ST
City	MANCHESTER
State	MA
Zip	01944-1022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Lot Number	43
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	4
Census Block	4013
Census Tract	218100

Owner

Source: Essex County and Manchester-by-the-Sea Town records, as of July 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	2 Individual Names on Record
Mailing Address	118 PINE ST, MANCHESTER, MA 01944-1022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
May 11, 2018	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2006 · Amount on Record
Deed Sale	May 26, 2006 · Amount on Record
Prior Sale	Jul 1, 2002 · Amount on Record
Deed Book / Page	25708 / 171
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	118 PINE ST, MANCHESTER, MA 01944-1022
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040692-402
Date	Jan 31, 2022
Book Page	40692/402
Instrument	20220131001490

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	118 PINE ST, MANCHESTER, MA 01944-1022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36707-493
Date	May 11, 2018
Book Page	36707/493
Instrument	180511000010

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2033

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	$9,106.00 (+4.65%)	$995,200 (+6.94%) Land $396,400 Building $598,800	$1,170,685
2024	$8,701.00 (+2.26%)	$930,600 (+14.07%) Land $377,600 Building $553,000
2023	$8,509.00	$815,800 Land $338,200 Building $477,600

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
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

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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pine St

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