21 Mill Rd, Ipswich, MA 01938 Property Records

Essex County and Ipswich Town property record for 21 Mill Rd, Ipswich, MA 01938

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,700 sqft · built 1997
Lot Size	2.17 acres (94,525 sqft)
Owner	2 Individual Names on Record
Last Sale	$987,000 (Sep 2022)
Tax Bill	$10,682 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`IPSW M:53C B:013A L:0`

Property Details

APN / Parcel Number

Primary APN	`IPSW M:53C B:013A L:0`
Alternative APN	`5135`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,700 sqft Living Area
Gross Area	5,755 sqft
Basement Area	1,620 sqft
Unfinished Basement	810 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	94,525 sqft (2.17 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5135
Street Address	21 MILL RD
City	IPSWICH
State	MA
Zip	01938-1641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRA
Legal Block	13A
Jurisdiction	IPSWICH MA
Township / Civil Division	IPSWICH
Census Block Group	3
Census Block	3010
Census Tract	223300

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	21 MILL RD, IPSWICH, MA 01938-1641
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Dec 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022 · Amount on Record
Deed Sale	Sep 29, 2022 · Amount on Record
Prior Sale	Jul 10, 1997 · Amount on Record
Deed Book / Page	41219 / 585
Record Updated	Sep 20, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	IPSWICH MA
Recording Date	Sep 29, 2022
Property Address	21 MILL RD, IPSWICH, MA 01938-1641
Document Number	041219-585
Book / Page	41219 / 585
Instrument Date	Sep 29, 2022
Instrument	20220929003520
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Amount	Amount Recorded
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	21 MILL RD, IPSWICH, MA 01938-1641

Mortgage

Document Number	0000000353
Date	Sep 29, 2022
Instrument	353

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IPSWICH MA
Property Address	21 MILL RD, IPSWICH, MA 01938-1641
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38148-490
Date	Dec 26, 2019
Book Page	38148/490
Instrument	20191226000990

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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
2025	$10,682.00 (+0.78%)	$958,000 (+2.86%) Land $401,400 Building $556,600	$1,099,530
2024	$10,599.00 (+11.05%)	$931,400 (+19.35%) Land $400,900 Building $530,500
2023	$9,544.00	$780,400 Land $335,600 Building $444,800

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · Severe Storms And Flooding

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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