Essex County and Manchester-by-the-Sea Town property record for 3 Arbella St, Manchester, MA 01944
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,756 sqft · built 1940 |
| Lot Size | 0.153 acres (6,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,980,000 (Feb 2026) |
| Tax Bill | $13,487 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Dec 2023 Transfer + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MANC M:0040 B:0000 L:0013 |
| Primary APN | MANC M:0040 B:0000 L:0013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,756 sqft Living Area |
| Gross Area | 5,820 sqft |
| Basement Area | 1,300 sqft |
| Unfinished Basement | 546 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,682 sqft (0.153 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3 ARBELLA ST |
|---|---|
| City | MANCHESTER |
| State | MA |
| Zip | 01944-1113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | D |
| Legal Lot Number | 13 |
| Jurisdiction | MANCHESTER MA |
| Township / Civil Division | MANCHESTER-BY-THE-SEA |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 218100 |
3 Arbella St is owned and occupied by two individuals who bought it in February 2026.
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 | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| 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.
| Date | Document |
|---|---|
| Feb 20, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA |
| Dec 18, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Aug 31, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP |
| Jan 21, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Apr 21, 2021 | Quit Claim Deed, Transfer Quitclaim |
| May 9, 2018 | Deed of Trust, Mortgage · ARM CAPE ANN SAVINGS BANK |
| Mar 12, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Sep 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RICHARD S SHAPIRO |
| Mar 1, 2017 | Quit Claim Deed, Transfer CAPE ANN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2026 · Amount on File |
| Deed Sale | Feb 20, 2026 · Amount on File |
| Prior Sale | Aug 31, 2023 · Amount on File |
| Deed Book / Page | 43235 / 245 |
| Prior Transfer Date | Feb 10, 2026 |
| Prior Transfer Doc | 043235-245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Feb 20, 2026 |
| Property Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Number | 043235-245 |
| Book / Page | 43235 / 245 |
| Instrument Date | Feb 10, 2026 |
| Instrument | 840 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Number | 20260220000850 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 20260220000850 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Dec 18, 2023 |
| Property Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Number | 041912-479 |
| Book / Page | 41912 / 479 |
| Instrument Date | Dec 15, 2023 |
| Instrument | 20231218000980 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 53 STATE ST, BOSTON, MA 02109-2820 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Aug 31, 2023 |
| Property Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Number | 00041740-9 |
| Book / Page | 41740 / 9 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 20230831001680 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Number | 230831001700 |
|---|---|
| Date | Aug 31, 2023 |
| Instrument | 230831001700 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.13% |
| Type Change Date | Sep 1, 2033 |
| Max Rate At Change | 2.88% |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Jan 21, 2022 |
| Property Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Number | 040674-431 |
| Book / Page | 40674 / 431 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 20220121004290 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Apr 21, 2021 |
| Property Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Number | 39789-458 |
| Book / Page | 39789 / 458 |
| Instrument Date | Apr 5, 2021 |
| Instrument | 20210421002140 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Property Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36704-25 |
|---|---|
| Date | May 9, 2018 |
| Book Page | 36704/25 |
| Instrument | 180509000730 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Margin | 3 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Mar 12, 2020 |
| Property Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Number | 38330-250 |
| Book / Page | 038330 / 000250 |
| Instrument Date | Mar 7, 2020 |
| Instrument | 12002960 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $5,244.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 ARBELLA ST MANCHESTER BY THE SEA MA 019441113, MANCHESTER BY THE SEA, MA 01944-1113 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Property Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Number | 37016-450 |
| Instrument Date | Sep 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3 ARBELLA ST MANCHESTER BY THE SEA MA 019441113, MANCHESTER BY THE SEA, MA 01944-1113 |
| Document Number | 37016-450 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | 037016/000450 |
| Instrument | 1809171990 |
| Name | RICHARD S SHAPIRO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Mar 1, 2017 |
| Property Address | 3 ARBELLA ST, MANCHESTER, MA 01944-1113 |
| Document Number | 35710-187 |
| Book / Page | 35710 / 187 |
| Instrument | 260 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40.59 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 357100189 |
|---|---|
| Date | Mar 1, 2017 |
| Instrument | 35710/0189 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 1, 2047 |
The 2025 property tax bill for 3 Arbella St was $13,487, down 12.4% from the year before.
Source: Essex County and Manchester-by-the-Sea Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Manchester-by-the-Sea Town |
| Unified School District | Manchester Essex Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,487.00 (-12.38%) | $1,474,000 (-10.46%) Land $378,100 Building $1,095,900 | $1,772,130 |
| 2024 | $15,392.00 (+25.8%) | $1,646,200 (+40.33%) Land $360,100 Building $1,286,100 | |
| 2023 | $12,235.00 | $1,173,100 Land $322,600 Building $850,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Arbella St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1996.
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 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 |
|
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 risk around 3 Arbella 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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 178 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 |
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