20 Howe St, Ipswich, MA 01938 Property Records

Essex County and Ipswich Town property record for 20 Howe St, Ipswich, MA 01938

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,216 sqft · built 1964
Lot Size	0.345 acres (15,017 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Feb 2016)
Tax Bill	$6,224 (2026)
Deeds & Mortgages	Sep 2020 Refinance Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`IPSW M:28C B:0013 L:0`

Property Details

APN / Parcel Number

Primary APN	`IPSW M:28C B:0013 L:0`
Alternative APN	`1903`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,017 sqft (0.345 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Account Number	1903
Street Address	20 HOWE ST
City	IPSWICH
State	MA
Zip	01938-1138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRA
Legal Block	13
Jurisdiction	IPSWICH MA
Township / Civil Division	IPSWICH
Census Block Group	1
Census Block	1009
Census Tract	223300

Owner

20 Howe St is owned and occupied by an individual who bought it in February 2016.

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

Owner of Record	Individual Name on File
Mailing Address	20 HOWE ST, IPSWICH, MA 01938-1138
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUINCY CREDIT UNION
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUINCY CU
Jan 22, 2018	Deed of Trust, Mortgage · Conventional with PMI QUINCY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2016 · Amount on File
Deed Sale	Feb 4, 2016 · Amount on File
Prior Sale	Jun 30, 2015 · Amount on File
Deed Book / Page	34699 / 28
Transfer Doc	0034699-28
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IPSWICH MA
Property Address	20 HOWE ST, IPSWICH, MA 01938-1138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38950-20
Date	Sep 18, 2020
Book Page	38950/20
Instrument	20200918000440

Lender

Name	QUINCY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IPSWICH MA
Property Address	20 HOWE ST, IPSWICH, MA 01938-1138
Document Number	37759-97
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HOWE ST IPSWICH MA 019381138, IPSWICH, MA 01938-1138

Mortgage

Document Number	37759-97
Date	Aug 16, 2019
Book Page	037759/000097
Instrument	190816380

Lender

Name	QUINCY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 15, 2034

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IPSWICH MA
Property Address	20 HOWE ST, IPSWICH, MA 01938-1138
Document Number	36493-301
Book / Page	036493 / 000301
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36493-301
Date	Jan 26, 2018
Book Page	036493/000301
Instrument	1801261230

Lender

Name	QUINCY CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Jan 25, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 20 Howe St was $6,224, up 4.6% 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	$6,224.00 (+4.59%)	$577,400 (+8.19%) Land $334,300 Building $243,100	$656,084 (+12.35%)
2025	$5,951.00 (+4.77%)	$533,700 (+6.93%) Land $315,000 Building $218,700	$583,965
2024	$5,680.00 (-0.96%)	$499,100 (+6.44%) Land $315,000 Building $184,100
2023	$5,735.00	$468,900 Land $290,500 Building $178,400

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

Flood

FEMA maps place 20 Howe St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2006 · 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 20 Howe 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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