Essex County and Manchester-by-the-Sea Town property record for 14 Overledge Rd, Manchester, MA 01944
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,030 sqft · built 2014 |
| Lot Size | 0.545 acres (23,749 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $339,500 (Feb 2014) |
| Tax Bill | $12,584 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Dec 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MANC M:0005 B:0000 L:0031 |
| Primary APN | MANC M:0005 B:0000 L:0031 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,030 sqft Living Area |
| Gross Area | 6,401 sqft |
| Basement Area | 2,229 sqft |
| Unfinished Basement | 1,560 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,749 sqft (0.545 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 14 OVERLEDGE RD |
|---|---|
| City | MANCHESTER |
| State | MA |
| Zip | 01944-1640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Lot Number | 31 |
| Jurisdiction | MANCHESTER MA |
| Township / Civil Division | MANCHESTER-BY-THE-SEA |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 218100 |
Source: Essex County and Manchester-by-the-Sea Town records, as of July 17, 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 File |
|---|---|
| Mailing Address | 14 OVERLEDGE RD, MANCHESTER, MA 01944-1640 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2026 | Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK |
| Dec 1, 2025 | Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK |
| Jun 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK |
| Oct 23, 2017 | Deed of Trust, Mortgage · ARM CAPE ANN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2014 · Amount on File |
| Deed Sale | Feb 28, 2014 · Amount on File |
| Prior Sale | Aug 29, 1997 · Amount on File |
| Deed Book / Page | 33137 / 70 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Jun 8, 2026 |
| Property Address | 14 OVERLEDGE RD, MANCHESTER, MA 01944-1640 |
| Document Number | 043430-374 |
| Book / Page | 43430 / 374 |
| Instrument Date | Jun 2, 2026 |
| Instrument | 2026350 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 14 OVERLEDGE RD, MANCHESTER, MA 01944-1640 |
| Document Number | 0000000350, |
|---|---|
| Date | Jun 8, 2026 |
| Book Page | 43430/374 |
| Instrument | 2026350 |
| Name | CAPE ANN SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2051 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Property Address | 14 OVERLEDGE RD, MANCHESTER, MA 01944-1640 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 043098-449 |
|---|---|
| Date | Dec 1, 2025 |
| Book Page | 43098/449 |
| Instrument | 20251201000250 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Property Address | 14 OVERLEDGE RD, MANCHESTER, MA 01944-1640 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039982-438 |
|---|---|
| Date | Jun 15, 2021 |
| Book Page | 39982/438 |
| Instrument | 20210615006340 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Property Address | 14 OVERLEDGE RD, MANCHESTER, MA 01944-1640 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36271-118 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 36271/118 |
| Instrument | 171023001410 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.63% |
| Margin | 3 |
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 | $12,584.00 (+4.71%) | $1,375,300 (+6.99%) Land $403,800 Building $971,500 | $2,648,885 |
| 2024 | $12,018.00 (+2.31%) | $1,285,400 (+14.13%) Land $385,000 Building $900,400 | |
| 2023 | $11,747.00 | $1,126,300 Land $347,500 Building $778,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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 64 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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