21 Pine St, Apt 7, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 21 Pine St, Apt 7, Manchester, MA 01944

Property Summary

Property TypeCondominium
Details2 bd · 2.5 ba · 1,778 sqft · built 1988
Lot Size0.231 acres (10,069 sqft)
Owner2 Individual Names on File
Last Sale$892,500 (Jul 2024)
Tax Bill$8,606 (2025)
Deeds & MortgagesJun 2026 Mortgage
Jul 2024 Sale & Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APNMANC M:0042 B:0000 L:033B

Property Details

APN / Parcel Number

Primary APNMANC M:0042 B:0000 L:033B

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Units11 Units
Stories3 Stories
Building Area1,778 sqft Living Area
Gross Area2,581 sqft
Basement Area703 sqft
Unfinished Basement703 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Architectural StyleOther
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area10,069 sqft
Garage TypeBasement
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Street Address21 PINE ST, 7
CityMANCHESTER
StateMA
Zip01944-1053
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeG
Legal Lot Number33B
JurisdictionMANCHESTER MA
Township / Civil DivisionMANCHESTER-BY-THE-SEA
Census Block Group4
Census Block4016
Census Tract218100

Owner

21 Pine St, Apt 7 is owned by two individuals who bought it in July 2024.

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

Owner of Record2 Individual Names on File
Mailing Address393 LOWELL ST, PEABODY, MA 01960-2720
Owner TypeIndividual
VestingTenants 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

DateDocument
Jun 9, 2026Deed of Trust, Mortgage · ARM
LIBERTY BANK
Jul 9, 2024Quit Claim Deed, Transfer · Stand-Alone First Mortgage
JEANNE D ARC CU
May 5, 2021Quit Claim Deed, Transfer · Stand-Alone First Mortgage
PENNYMAC LOAN SERVICES LLC
May 5, 2021Quit Claim Deed, Transfer
Quitclaim
Feb 5, 2021Personal Representative Deed, Transfer
Feb 5, 2021Quit Claim Deed, Transfer · Stand-Alone First Mortgage
E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 9, 2024 · Amount on File
Deed SaleJul 9, 2024 · Amount on File
Prior SaleMay 5, 2021 · Amount on File
Deed Document Number20243400
Deed Book / Page42208 / 426
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMANCHESTER MA
Recording DateJun 9, 2026
Property Address21 PINE ST, 7, MANCHESTER, MA 01944-1053
Document Number043433-410
Book / Page43433 / 410
Instrument DateJun 4, 2026
Instrument2026850
Transaction TypeMortgage
Record UpdatedJul 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 PINE ST, 7, MANCHESTER, MA 01944-1053

Mortgage

Document Number0000000850,
DateJun 9, 2026
Book Page43433/410
Instrument2026850
Lender
NameLIBERTY BANK
Agreement
TypeARM
AmountAmount on Record
Term360 Months
DueJul 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.25%
Initial TypeAdjustable Rate
Type Change DateJul 1, 2031
IndexOther
Margin3
Max Rate-1%

July 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMANCHESTER MA
Recording DateJul 9, 2024
Property Address21 PINE ST APT 7, 7, MANCHESTER, MA 01944-1053
Document Number042208-426
Book / Page42208 / 426
Instrument DateJul 9, 2024
Instrument20240709003400
Transaction TypeTransfer
Record UpdatedJul 26, 2024

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address393 LOWELL ST, PEABODY, MA 01960-2720

Mortgage

Document Number240709003410
DateJul 9, 2024
Instrument240709003410
Lender
NameJEANNE D ARC CU
TypeCredit Union
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Rate6.88%
Type Change DateAug 1, 2029
Max Rate At Change2.75%
Index1-Year CMT

Mortgage

Document Number042208-454
DateJul 9, 2024
Book Page42208/454
Instrument20240709003420
Lender
NameJEANNE D ARC CU
TypeCredit Union
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount on Record
Term301 Months
DueAug 1, 2049

May 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMANCHESTER MA
Recording DateMay 5, 2021
Property Address21 PINE ST APT 7, 7, MANCHESTER, MA 01944-1053
Document Number0039847-62
Book / Page39847 / 62
Instrument DateMay 5, 2021
Transaction TypeTransfer
Record UpdatedJan 21, 2026

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address346 CONGRESS ST # 24, 24, BOSTON, MA 02210-1267

Mortgage

Document Number0003984765
DateMay 5, 2021
Instrument39847/65
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

May 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMANCHESTER MA
Recording DateMay 5, 2021
Property Address21 PINE ST APT 7, 7, MANCHESTER, MA 01944-1053
Document Number39847-59
Book / Page39847 / 59
Instrument DateApr 2, 2021
Instrument20210505005780
Transaction TypeTransfer
Record UpdatedMay 21, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 PINE ST, MANCHESTER, MA 01944-1053

February 2021: Personal Representative Deed, Transfer

Document TypePersonal Representative Deed
JurisdictionMANCHESTER MA
Recording DateFeb 5, 2021
Property Address21 PINE ST APT 7, 7, MANCHESTER, MA 01944-1053
Document Number39500-416
Book / Page39500 / 416
Instrument DateFeb 4, 2021
Instrument20210205006940
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address53 STATE ST, BOSTON, MA 02109-2820

February 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMANCHESTER MA
Recording DateFeb 5, 2021
Property Address21 PINE ST APT 7, 7, MANCHESTER, MA 01944-1053
Document Number039500-421
Book / Page39500 / 421
Instrument DateJan 29, 2021
Transaction TypeTransfer
Record UpdatedJan 21, 2026

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address21 PINE ST, MANCHESTER, MA 01944-1053

Mortgage

Document Number0039500425
DateFeb 5, 2021
Instrument39500/425
Lender
NameE MORTGAGE MANAGEMENT LLC
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 21 Pine St, Apt 7 was $8,606, up 1% from the year before.

Source: Essex County and Manchester-by-the-Sea Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyEssex County
County SubdivisionManchester-by-the-Sea Town
Unified School DistrictManchester Essex Regional School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,606.00 (+9.95%)$940,500 (+12.35%) Building $940,500$833,435
2024$7,827.00 (+12.98%)$837,100 (+26.03%) Building $837,100
2023$6,928.00$664,200 Building $664,200

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 7 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 26 policies
Nearby Flood Policies26 in force
Nearby Flood Claims4 (1991–2018)
Most Recent ClaimJan 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 7 is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemMANCHESTER BY THE SEA DPW
serves 5,201 people · EPA ID MA3166000
Water SourceSurface water
Last State InspectionSep 2023
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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