2 Howard St, Ipswich, MA 01938 Property Records

Essex County and Ipswich Town property record for 2 Howard St, Ipswich, MA 01938

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,666 sqft · built 1955
Lot Size	0.255 acres (11,100 sqft)
Owner	2 Individual Names on File
Last Sale	$680,000 (Aug 2026)
Tax Bill	$6,772 (2026)
Deeds & Mortgages	Jul 2026 Second Mortgage Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`IPSW M:37B B:0032 L:0`

Property Details

APN / Parcel Number

Primary APN	`IPSW M:37B B:0032 L:0`
Alternative APN	`2963`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,666 sqft Living Area
Gross Area	2,968 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,100 sqft (0.255 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2963
Street Address	2 HOWARD ST
City	IPSWICH
State	MA
Zip	01938-1011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRA
Legal Block	32
Jurisdiction	IPSWICH MA
Township / Civil Division	IPSWICH
Census Block Group	2
Census Block	2019
Census Tract	223300

Owner

2 Howard St is owned and occupied by two individuals who bought it in August 2026.

Source: Essex County and Ipswich Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2 HOWARD ST, IPSWICH, MA 01938-1011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN ACCEPTANCE MORTGAGE
Aug 17, 2026	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Jul 25, 2008 · Amount on File
Deed Document Number	20261980
Deed Book / Page	43573 / 494
Prior Transfer Date	Jul 21, 2026
Prior Transfer Doc	0000001980
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IPSWICH MA
Recording Date	Jul 28, 2026
Property Address	2 HOWARD ST, IPSWICH, MA 01938-1011
Document Number	0000003540
Book / Page	43534 / 264
Instrument Date	Jul 23, 2026
Instrument	20263540
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HOWARD ST, IPSWICH, MA 01938-1011

Mortgage

Document Number	0000003540,
Date	Jul 28, 2026
Book Page	43534/264
Instrument	20263540

Lender

Name	AMERICAN ACCEPTANCE MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 1, 2027

Interest

Rate	6.49%
Max Rate	-1%

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	IPSWICH MA
Recording Date	Aug 17, 2026
Property Address	2 HOWARD ST, IPSWICH, MA 01938-1011
Document Number	0000001980
Book / Page	43573 / 494
Instrument Date	Jul 21, 2026
Instrument	20261980
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2 HOWARD ST, IPSWICH, MA 01938-1011

Mortgage

Date	Aug 17, 2026

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 2 Howard St was $6,772, up 3.5% from the year before.

Source: Essex County and Ipswich Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Ipswich Town
Unified School District	Ipswich School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,772.00 (+3.48%)	$628,200 (+7.04%) Land $323,100 Building $305,100	$644,796 (-15.15%)
2025	$6,544.00 (+4.72%)	$586,900 (+6.88%) Land $304,400 Building $282,500	$759,905
2024	$6,249.00 (+3.37%)	$549,100 (+11.09%) Land $304,400 Building $244,700
2023	$6,045.00	$494,300 Land $280,700 Building $213,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2 Howard 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2023 · rainfall accumulation

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

Wildfire risk around 2 Howard 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	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	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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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