14 Loading Place Rd, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 14 Loading Place Rd, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,904 sqft · built 1957
Lot Size	1.12 acres (48,922 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,131 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0037 B:0000 L:0058`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0037 B:0000 L:0058`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,904 sqft Living Area
Gross Area	4,169 sqft
Basement Area	1,648 sqft
Unfinished Basement	412 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,922 sqft (1.12 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	14 LOADING PLACE RD
City	MANCHESTER
State	MA
Zip	01944-1276
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	MANCHESTER SEA
Legal Lot Number	58
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	1
Census Block	1000
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	14 LOADING PLACE RD, MANCHESTER, MA 01944-1276
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 18, 2020	Deed of Trust, Mortgage · Balloon Mortgage CAPE ANN SAVINGS BANK
Aug 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK
Oct 2, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2018
Deed Sale	Oct 2, 2018
Prior Sale	Feb 26, 1999 · Amount on Record
Deed Document Number	20184260
Deed Book / Page	37058 / 262
Transfer Doc	31677-430
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	14 LOADING PLACE RD, MANCHESTER, MA 01944-1276
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041818-71
Date	Oct 20, 2023
Book Page	41818/71
Instrument	20231020000290

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	14 LOADING PLACE RD, MANCHESTER, MA 01944-1276
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38835-287
Date	Aug 18, 2020
Book Page	38835/287
Instrument	20200818003900

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2045

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	14 LOADING PLACE RD, MANCHESTER, MA 01944-1276
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38835-275
Date	Aug 18, 2020
Book Page	38835/275
Instrument	20200818003890

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Oct 2, 2018
Property Address	14 LOADING PLACE RD, MANCHESTER, MA 01944-1276
Document Number	37058-262
Book / Page	037058 / 000262
Instrument Date	Oct 2, 2018
Instrument	2004260
Transaction Type	Transfer
Record Updated	Oct 23, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 LOADING PLACE RD MANCHESTER BY THE SEA MA 019441276, MANCHESTER BY THE SEA, MA 01944-1276

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	$8,131.00 (+3.46%)	$888,600 (+5.72%) Land $488,900 Building $399,700	$1,096,585
2024	$7,859.00 (+2.25%)	$840,500 (+14.06%) Land $466,300 Building $374,200
2023	$7,686.00	$736,900 Land $420,800 Building $316,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 individual policies
Nearby Flood Policies	53 units insured incl. 12 condo units
Nearby Flood Claims	52 (1978–2024)
Claims Outside the SFHA	1 of 52
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 5 claims Severe Storms And Flooding, May 2006 · 15 claims Coastal Storm, Oct 1991 · 15 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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