23 Loading Place Rd, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 23 Loading Place Rd, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,264 sqft · built 1970
Lot Size	1.47 acres (64,417 sqft)
Owner	2 Individual Names on Record
Last Sale	$680,000 (Jan 2021)
Tax Bill	$8,507 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0036 B:0000 L:0002`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0036 B:0000 L:0002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,264 sqft Living Area
Gross Area	3,263 sqft
Basement Area	720 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	64,417 sqft (1.47 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	23 LOADING PLACE RD
City	MANCHESTER
State	MA
Zip	01944-1277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Lot Number	2
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	1
Census Block	1000
Census Tract	218100

Owner

Source: Essex County and Manchester-by-the-Sea 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	23 LOADING PLACE RD, MANCHESTER, MA 01944-1277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Deed of Trust, Mortgage · Line of Credit INSTITUTION FOR SAVINGS NEWBURYPORT
Apr 2, 2019	Deed of Trust, Mortgage · Balloon Mortgage CAPE ANN SAVINGS BANK
Jan 15, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on Record
Deed Sale	Jan 15, 2021 · Amount on Record
Deed Book / Page	39416 / 317
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	23 LOADING PLACE RD, MANCHESTER, MA 01944-1277
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041048-540
Date	Jul 6, 2022
Book Page	41048/540
Instrument	20220706001110

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	23 LOADING PLACE RD, MANCHESTER, MA 01944-1277
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37417-523
Date	Apr 2, 2019
Book Page	37417/523
Instrument	20190402001280

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2039

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jan 15, 2021
Property Address	23 LOADING PLACE RD, MANCHESTER, MA 01944-1277
Document Number	039416-317
Book / Page	39416 / 317
Instrument Date	Jan 12, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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	Joint Tenants
Address	23 LOADING PLACE RD, MANCHESTER, MA 01944-1277

Mortgage

Document Number	0039416320
Date	Jan 15, 2021
Instrument	39416/320

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$8,507.00 (+13.82%)	$929,700 (+16.3%) Land $509,200 Building $420,500	$900,315
2024	$7,474.00 (+0.4%)	$799,400 (+12.01%) Land $485,800 Building $313,600
2023	$7,444.00	$713,700 Land $438,600 Building $275,100

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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