21 Pine St, Apt 4, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 21 Pine St, Apt 4, Manchester, MA 01944

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,870 sqft · built 1988
Lot Size	0.306 acres (13,356 sqft)
Owner	2 Individual Names on File
Last Sale	$1,175,000 (Jun 2026)
Tax Bill	$8,290 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0042 B:0000 L:032B`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0042 B:0000 L:032B`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Units	11 Units
Stories	3 Stories
Building Area	1,870 sqft Living Area
Gross Area	2,990 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,356 sqft
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	21 PINE ST, 4
City	MANCHESTER
State	MA
Zip	01944-1053
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	G
Legal Subdivision	21 PINE STREET CONDO
Legal Lot Number	32B
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	4
Census Block	4016
Census Tract	218100

Owner

21 Pine St, Apt 4 is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 PINE ST, 4, MANCHESTER, MA 01944-1053
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
Jun 5, 2026	Condominium Deed, Transfer · Conventional Mortgage BANK OF AMIERCA NA
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2026 · Amount on File
Deed Sale	Jun 5, 2026 · Amount on File
Prior Sale	Dec 30, 2010 · Amount on File
Deed Document Number	20261950
Deed Book / Page	43428 / 466
Record Updated	Oct 29, 2026

June 2026: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jun 5, 2026
Property Address	21 PINE ST, 4, MANCHESTER, MA 01944-1053
Document Number	0000001950
Book / Page	43428 / 466
Instrument Date	Jun 1, 2026
Instrument	20261950
Transaction Type	Transfer
Record Updated	Jun 23, 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
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 PINE ST, 4, MANCHESTER, MA 01944-1053

Mortgage

Document Number	043428-469,
Date	Jun 5, 2026
Book Page	43428/469
Instrument	20261960

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	21 PINE ST APT 4, 4, MANCHESTER, MA 01944-1053
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39565-430
Date	Feb 24, 2021
Book Page	39565/430
Instrument	20210224001160

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 21 Pine St, Apt 4 was $8,290, up 5.1% 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	$8,290.00 (+5.15%)	$906,000 (+7.45%) Building $906,000	$1,010,895
2024	$7,884.00 (+11.47%)	$843,200 (+24.35%) Building $843,200
2023	$7,073.00	$678,100 Building $678,100

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

Flood

FEMA maps place 21 Pine St, Apt 4 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1991.

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
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	4 (1991–2018)
Most Recent Claim	Jan 2018 · tidal / storm surge

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 Pine St, Apt 4 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	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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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