21 Forest St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 21 Forest St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,151 sqft · built 2019
Lot Size	0.216 acres (9,400 sqft)
Owner	2 Individual Names on File
Last Sale	$970,000 (Sep 2020)
Tax Bill	$11,209 (2025)
Deeds & Mortgages	Dec 2024 Refinance Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0011 B:0000 L:0005`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0011 B:0000 L:0005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,151 sqft Living Area
Gross Area	3,164 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,400 sqft (0.216 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	21 FOREST ST
City	MANCHESTER
State	MA
Zip	01944-1252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Lot Number	5
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	1
Census Block	1004
Census Tract	218100

Owner

21 Forest St is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 FOREST ST, MANCHESTER, MA 01944-1252
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
Dec 2, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK
Sep 24, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOME POINT FINANCIAL CORPORATION
Apr 5, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 26, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2020 · Amount on File
Deed Sale	Sep 24, 2020 · Amount on File
Prior Sale	Apr 5, 2019 · Amount on File
Deed Book / Page	38976 / 174
Prior Transfer Date	Sep 21, 2020
Prior Transfer Doc	38976-174
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	21 FOREST ST, MANCHESTER, MA 01944-1252
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042461-135
Date	Dec 2, 2024
Book Page	42461/135
Instrument	20241202000200

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Sep 24, 2020
Property Address	21 FOREST ST, MANCHESTER, MA 01944-1252
Document Number	38976-174
Book / Page	38976 / 174
Instrument Date	Sep 21, 2020
Instrument	20200924004950
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	FOREST ST, MANCHESTER, MA

Mortgage

Document Number	200924004960
Date	Sep 24, 2020
Instrument	200924004960

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Apr 5, 2019
Property Address	21 FOREST ST, MANCHESTER, MA 01944-1252
Document Number	37425-364
Book / Page	037425 / 000364
Instrument Date	Mar 19, 2019
Instrument	5002910
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,368.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	38 ENON ST #4 BEVERLY MA 019151139, 4, BEVERLY, MA 01915-1139

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jan 26, 2017
Property Address	21 FOREST ST, MANCHESTER, MA 01944-1252
Document Number	35638-244
Book / Page	035638 / 000244
Instrument Date	Jan 22, 2017
Instrument	1701260078
Transaction Type	Transfer
Record Updated	Feb 14, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Tax Assessment & Valuation

The 2025 property tax bill for 21 Forest St was $11,209, up 4.8% from the year before.

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	$11,209.00 (+4.82%)	$1,225,000 (+7.11%) Land $410,000 Building $815,000	$1,227,590
2024	$10,694.00 (+2.19%)	$1,143,700 (+13.98%) Land $390,500 Building $753,200
2023	$10,465.00	$1,003,400 Land $349,800 Building $653,600

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

Flood

FEMA maps place 21 Forest 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
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	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

Wildfire risk around 21 Forest 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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