Essex County and Ipswich Town property record for 12 Locust Rd, Ipswich, MA 01938
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,603 sqft · built 1898 |
| Lot Size | 0.43 acres (18,730 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (May 1991) |
| Tax Bill | $6,287 (2026) |
| Deeds & Mortgages | Dec 2022 Refinance Oct 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | IPSW M:30B B:0029 L:0 |
| Primary APN | IPSW M:30B B:0029 L:0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,603 sqft Living Area |
| Gross Area | 2,665 sqft |
| Basement Area | 496 sqft |
| Unfinished Basement | 496 sqft |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,730 sqft (0.43 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 2161 |
|---|---|
| Street Address | 12 LOCUST RD |
| City | IPSWICH |
| State | MA |
| Zip | 01938-1209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RRA |
| Legal Block | 29 |
| Jurisdiction | IPSWICH MA |
| Township / Civil Division | IPSWICH |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 223100 |
12 Locust Rd is owned by two individuals who bought it in May 1991.
Source: Essex County and Ipswich Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 LORING DR, ROCHESTER, NH 03839-4610 |
| Owner Type | Individual |
| Vesting | Estate |
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 |
|---|---|
| Dec 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Oct 31, 2018 | Deed of Trust, Mortgage · Line of Credit ST JEANS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 1991 · Amount on File |
| Deed Sale | May 6, 1991 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 12 LOCUST RD, IPSWICH, MA 01938-1209 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2023 |
| Name | Verified Name |
|---|
| Document Number | 041366-240 |
|---|---|
| Date | Dec 22, 2022 |
| Book Page | 41366/240 |
| Instrument | 20221222000100 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 12 LOCUST RD, IPSWICH, MA 01938-1209 |
| Document Number | 37119-255 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 LOCUST RD IPSWICH MA 019381209, IPSWICH, MA 01938-1209 |
| Document Number | 37119-255 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 037119/000255 |
| Instrument | 31000600 |
| Name | ST JEANS CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 12 Locust Rd was $6,287, up 1% from the year before.
Source: Essex County and Ipswich Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Ipswich Town |
| Unified School District | Ipswich School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,287.00 (+1%) | $583,200 (+4.46%) Land $324,200 Building $259,000 | $695,525 (+54.2%) |
| 2025 | $6,225.00 (+3.01%) | $558,300 (+5.14%) Land $305,600 Building $252,700 | $451,060 |
| 2024 | $6,043.00 (+8.47%) | $531,000 (+16.58%) Land $306,900 Building $224,100 | |
| 2023 | $5,571.00 | $455,500 Land $252,800 Building $202,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Locust Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (1991) |
| Most Recent Claim | Oct 1991 · Coastal Storm |
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 Locust Rd 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 |
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 | 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 |
| 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 105 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
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