15 Smiths Point Rd, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 15 Smiths Point Rd, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Lot Size	1.57 acres (68,720 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Mar 2001)
Tax Bill	$61,308 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0020 B:0000 L:0020`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0020 B:0000 L:0020`

Exterior

Lot Area	68,720 sqft (1.57 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	15 SMITHS POINT RD
City	MANCHESTER
State	MA
Zip	01944-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Lot Number	20
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	3
Census Block	3007
Census Tract	218100

Owner

Source: Essex County and Manchester-by-the-Sea Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	15 SMITHS POINT RD, MANCHESTER, MA 01944-1449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · Line of Credit AVIDIA BANK
Apr 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance AVIDIA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2001 · Amount on Record
Deed Sale	Mar 28, 2001 · Amount on Record
Deed Book / Page	17007 / 566
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	15 SMITHS POINT RD, MANCHESTER, MA 01944-1449
Transaction Type	Mortgage
Record Updated	May 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040892-341
Date	Apr 27, 2022
Book Page	40892/341
Instrument	20220427001150

Lender

Name	AVIDIA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2042

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	15 SMITHS POINT RD, MANCHESTER, MA 01944-1449
Transaction Type	Mortgage
Record Updated	May 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040892-291
Date	Apr 27, 2022
Book Page	40892/291
Instrument	20220427001070

Lender

Name	AVIDIA BANK

Agreement

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

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	$61,308.00 (+4.5%)	$6,700,300 (+6.79%) Land $4,104,200 Building $2,596,100	$1,267,132
2024	$58,666.00 (+3.63%)	$6,274,400 (+15.6%) Land $3,944,300 Building $2,330,100
2023	$56,609.00	$5,427,500 Land $3,411,300 Building $2,016,200

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	20 (1978–2024)
Claims Outside the SFHA	3 of 20
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, May 2006 · 3 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 claims Coastal Storm, Oct 1991 · 5 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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