3 Merganser Rd, Ipswich, MA 01938 Property Records

Essex County and Ipswich Town property record for 3 Merganser Rd, Ipswich, MA 01938

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,207 sqft · built 2019
Lot Size	0.474 acres (20,650 sqft)
Owner	2 Individual Names on Record
Tax Bill	$21,392 (2026)
Deeds & Mortgages	Dec 2018 Refinance Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`IPSW M:15B B:0021 L:0`

Property Details

APN / Parcel Number

Primary APN	`IPSW M:15B B:0021 L:0`
Alternative APN	`117`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,207 sqft Living Area
Gross Area	5,092 sqft
Basement Area	2,207 sqft
Unfinished Basement	221 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,650 sqft (0.474 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	117
Street Address	3 MERGANSER RD
City	IPSWICH
State	MA
Zip	01938-1471
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRB
Legal Subdivision	GREAT NECK INC
Legal Block	21
Jurisdiction	IPSWICH MA
Township / Civil Division	IPSWICH
Census Block Group	2
Census Block	2010
Census Tract	223100

Owner

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 MERGANSER RD, IPSWICH, MA 01938-1471
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT
Sep 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IPSWICH MA
Property Address	3 MERGANSER RD, IPSWICH, MA 01938-1471
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37220-542
Date	Dec 17, 2018
Book Page	37220/542
Instrument	20181217000600

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	385 Months
Due	Jan 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IPSWICH MA
Property Address	3 MERGANSER RD, IPSWICH, MA 01938-1471
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38945-471
Date	Sep 16, 2020
Book Page	38945/471
Instrument	20200916005350

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Essex County and Ipswich Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Ipswich Town
Unified School District	Ipswich School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$21,392.00 (+14.21%)	$1,984,400 (+18.13%) Land $1,135,700 Building $848,700	$1,438,676 (+2.94%)
2025	$18,731.00 (-4.86%)	$1,679,900 (-2.9%) Land $918,200 Building $761,700	$1,397,545
2024	$19,687.00 (-5.65%)	$1,730,000 (+1.39%) Land $917,200 Building $812,800
2023	$20,867.00	$1,706,200 Land $917,200 Building $789,000

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 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	Coastal Storm, Oct 1991 · 4 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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