Essex County and Manchester-by-the-Sea Town property record for 12 Bennett St, Manchester, MA 01944
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,017 sqft · built 1730 |
| Lot Size | 0.108 acres (4,704 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,195,000 (Sep 2018) |
| Tax Bill | $14,329 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MANC M:0028 B:0000 L:049A |
| Primary APN | MANC M:0028 B:0000 L:049A |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,017 sqft Living Area |
| Gross Area | 5,888 sqft |
| Basement Area | 1,135 sqft |
| Unfinished Basement | 567 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1730 |
|---|---|
| Effective Year Built | Effective 1730 |
| Architectural Style | Historical |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 4,704 sqft (0.108 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 12 BENNETT ST |
|---|---|
| City | MANCHESTER |
| State | MA |
| Zip | 01944-1404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | G |
| Legal Subdivision | JOSEPH M GIBBONS |
| Legal Lot Number | 49A |
| Jurisdiction | MANCHESTER MA |
| Township / Civil Division | MANCHESTER-BY-THE-SEA |
| Census Block Group | 4 |
| Census Block | 4035 |
| Census Tract | 218100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Manchester Village Historic District listed 1990 · 181 contributing resources · NRIS 89002156 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
12 Bennett St is owned and occupied by two individuals who bought it in September 2018.
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 | 12 BENNETT ST, MANCHESTER, MA 01944-1404 |
| 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.
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK |
| May 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK |
| Mar 6, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHEAST HOME LOAN |
| Sep 26, 2018 | Quit Claim Deed, Transfer NORTHEAST HOME LOAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2018 · Amount on File |
| Deed Sale | Sep 26, 2018 · Amount on File |
| Prior Sale | Jun 15, 2011 · Amount on File |
| Deed Book / Page | 37040 / 198 |
| Transfer Doc | 037040-198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Property Address | 12 BENNETT ST, MANCHESTER, MA 01944-1404 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 043274-304 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 43274/304 |
| Instrument | 20260316002000 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Property Address | 12 BENNETT ST, MANCHESTER, MA 01944-1404 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039836-258 |
|---|---|
| Date | May 3, 2021 |
| Book Page | 39836/258 |
| Instrument | 20210503005270 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Property Address | 12 BENNETT ST, MANCHESTER, MA 01944-1404 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38316-344 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 38316/344 |
| Instrument | 20200306002600 |
| Name | NORTHEAST HOME LOAN |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Sep 26, 2018 |
| Property Address | 12 BENNETT ST, MANCHESTER, MA 01944-1404 |
| Document Number | 37040-198 |
| Book / Page | 37040 / 198 |
| Instrument | 180926003900 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $91.68 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 370400205 |
|---|---|
| Date | Sep 26, 2018 |
| Instrument | 37040/0205 |
| Name | NORTHEAST HOME LOAN |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 26, 2048 |
| Rate | 4.38% |
|---|---|
| Max Rate At Change | 0.12% |
| Max Rate | 2.88% |
The 2025 property tax bill for 12 Bennett St was $14,329, up 8% from the year before.
Source: Essex County and Manchester-by-the-Sea Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Manchester-by-the-Sea Town |
| Unified School District | Manchester Essex Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,329.00 (+7.97%) | $1,566,000 (+10.33%) Land $535,300 Building $1,030,700 | $1,503,565 |
| 2024 | $13,271.00 (-2.63%) | $1,419,400 (+8.62%) Land $516,200 Building $903,200 | |
| 2023 | $13,630.00 | $1,306,800 Land $458,800 Building $848,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Bennett 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 AE, within 500 ft |
| 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 risk around 12 Bennett 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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures