22 Vine St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 22 Vine St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,869 sqft · built 1939
Lot Size	0.107 acres (4,678 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Apr 2018)
Tax Bill	$7,823 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0049 B:0000 L:0062`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0049 B:0000 L:0062`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,869 sqft Living Area
Gross Area	3,368 sqft
Basement Area	1,036 sqft
Unfinished Basement	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,678 sqft (0.107 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	22 VINE ST
City	MANCHESTER
State	MA
Zip	01944-1347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Subdivision	JAMES J JR & IRENE M MULVEY
Legal Lot Number	62
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	2
Census Block	2011
Census Tract	218100

Owner

22 Vine St is owned and occupied by two individuals who bought it in April 2018.

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	22 VINE ST, MANCHESTER, MA 01944-1347
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 12, 2025	Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Apr 30, 2018	Quit Claim Deed, Transfer CAPE ANN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2018 · Amount on File
Deed Sale	Apr 30, 2018 · Amount on File
Prior Sale	Jul 28, 1993 · Amount on File
Deed Book / Page	36681 / 246
Transfer Doc	036681-246
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	22 VINE ST, MANCHESTER, MA 01944-1347
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042944-415
Date	Sep 12, 2025
Book Page	42944/415
Instrument	20250912002200

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	22 VINE ST, MANCHESTER, MA 01944-1347
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039461-38
Date	Jan 27, 2021
Book Page	39461/38
Instrument	20210127003960

Lender

Name	HARBORONE MORTGAGE

Agreement

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

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Apr 30, 2018
Property Address	22 VINE ST, MANCHESTER, MA 01944-1347
Document Number	36681-246
Book / Page	36681 / 246
Instrument	180430003670
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	$59.34
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 VINE ST, MANCHESTER, MA 01944-1347

Mortgage

Document Number	366810248
Date	Apr 30, 2018
Instrument	36681/0248

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 30, 2048

Interest

Rate	3.5%
Max Rate At Change	40.1%
Max Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 22 Vine St was $7,823, up 4.7% 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	$7,823.00 (+4.68%)	$855,000 (+6.98%) Land $425,900 Building $429,100	$955,130
2024	$7,473.00 (-0.99%)	$799,200 (+10.43%) Land $410,700 Building $388,500
2023	$7,548.00	$723,700 Land $365,000 Building $358,700

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

Flood

FEMA maps place 22 Vine 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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (1996–2006)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Jun 2006 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 10 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 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 22 Vine 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 275 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Vine St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures