Essex County and Ipswich Town property record for 3 Cove Rd, Ipswich, MA 01938
| Property Type | Condominium |
|---|---|
| Details | 5 bd · 1 ba · 1,271 sqft · built 1918 |
| Lot Size | 0.069 acres (3,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $930,000 (May 2023) |
| Tax Bill | $10,280 (2026) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Dec 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | IPSW M:24C B:0069 L:090 |
| Primary APN | IPSW M:24C B:0069 L:090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,271 sqft Living Area |
| Gross Area | 2,614 sqft |
| Basement Area | 897 sqft |
| Unfinished Basement | 897 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Cottage |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,000 sqft (0.069 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1483 |
|---|---|
| Street Address | 3 COVE RD |
| City | IPSWICH |
| State | MA |
| Zip | 01938-1544 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RRB |
| Legal Subdivision | CONDO LITTLE NECK |
| Legal Block | 69 |
| Legal Lot Number | 90 |
| Jurisdiction | IPSWICH MA |
| Township / Civil Division | IPSWICH |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 223100 |
Source: Essex County and Ipswich Town records, as of October 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 | 3 COVE RD, IPSWICH, MA 01938-1544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 1, 2023 | Condominium Deed, Transfer · Stand-Alone First Mortgage FIRSTRUST BANK |
| Dec 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BROOKLINE BANK |
| Jul 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Aug 31, 2018 | Deed, Transfer LENDUSA LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2023 · Amount on Record |
| Deed Sale | May 1, 2023 · Amount on Record |
| Prior Sale | Aug 31, 2018 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | IPSWICH MA |
| Recording Date | May 1, 2023 |
| Property Address | 3 COVE RD, IPSWICH, MA 01938-1544 |
| Document Number | 041544-315 |
| Book / Page | 41544 / 315 |
| Instrument Date | May 1, 2023 |
| Instrument | 20230501002290 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2023 |
| Amount | Amount Recorded |
|---|---|
| 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 COVE RD, IPSWICH, MA 01938-1544 |
| Document Number | 230501002300 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 230501002300 |
| Name | FIRSTRUST BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.63% |
| Type Change Date | Jun 1, 2030 |
| Max Rate At Change | 2.75% |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 3 COVE RD, IPSWICH, MA 01938-1544 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 040575-280 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 40575/280 |
| Instrument | 20211215000040 |
| Name | BROOKLINE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jan 1, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 3 COVE RD, IPSWICH, MA 01938-1544 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38690-200 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 38690/200 |
| Instrument | 20200708001900 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | IPSWICH MA |
| Recording Date | Aug 31, 2018 |
| Property Address | 3 COVE RD, IPSWICH, MA 01938-1544 |
| Document Number | 36979-444 |
| Book / Page | 36979 / 444 |
| Instrument | 180831000530 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37.58 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 369790449 |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 36979/0449 |
| Name | LENDUSA LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Aug 31, 2048 |
Source: Essex County and Ipswich Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Ipswich Town |
| Unified School District | Ipswich School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,280.00 (+5.35%) | $953,600 (+8.96%) Building $953,600 | $869,051 (-17.05%) |
| 2025 | $9,758.00 (+21.26%) | $875,200 (+23.77%) Building $875,200 | $1,047,660 |
| 2024 | $8,047.00 (-3.8%) | $707,100 (+3.38%) Building $707,100 | |
| 2023 | $8,365.00 | $684,000 Building $684,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 13 (1978–2018) |
| Claims Outside the SFHA | 4 of 13 |
| Most Recent Claim | Jan 2018 · other causes |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | IPSWICH DPU WATER DEPT serves 13,138 people · EPA ID MA3144000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | 10 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 355 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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