38 School St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 38 School St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,319 sqft · built 2016
Lot Size	0.255 acres (11,117 sqft)
Owner	2 Individual Names on File
Last Sale	$2,245,000 (May 2023)
Tax Bill	$15,675 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2023 Foreclosure + 5 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0054 B:0000 L:0025`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0054 B:0000 L:0025`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	3,319 sqft Living Area
Gross Area	5,039 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,117 sqft (0.255 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38 SCHOOL ST
City	MANCHESTER
State	MA
Zip	01944-1339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	D
Legal Lot Number	25
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	4
Census Block	4019
Census Tract	218100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Manchester Village Historic District listed 1990 · 181 contributing resources · NRIS 89002156

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

38 School St is owned and occupied by two individuals who bought it in May 2023.

Source: Essex County and Manchester-by-the-Sea Town records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 SCHOOL ST, MANCHESTER, MA 01944-1339
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
May 5, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT
Jan 6, 2023	Foreclosure
Nov 27, 2018	Deed of Trust, Mortgage RICHARD J MAESTRANZI
Jul 21, 2018	Deed of Trust, Mortgage DOMENIC L GERMANO
May 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage NEIL AYER
Apr 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage RICHARD MAESTRANZI
Oct 6, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2023 · Amount on File
Deed Sale	May 5, 2023 · Amount on File
Prior Sale	Jan 6, 2023 · Amount on File
Deed Document Number	20231950
Deed Book / Page	41551 / 468
Record Updated	Oct 29, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	May 5, 2023
Property Address	38 SCHOOL ST, MANCHESTER, MA 01944-1339
Document Number	041551-468
Book / Page	41551 / 468
Instrument Date	May 5, 2023
Instrument	20230505001950
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	38 SCHOOL ST, MANCHESTER BY THE SEA, MA 01944-1339

Mortgage

Document Number	230505001960
Date	May 5, 2023
Instrument	230505001960

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	MANCHESTER MA
Recording Date	Jan 6, 2023
Property Address	38 SCHOOL ST, MANCHESTER, MA 01944-1339
Document Number	0041390-57
Book / Page	41390 / 57
Instrument Date	Jan 4, 2023
Instrument	20230106003200
Transaction Type	Foreclosure
Record Updated	Jan 20, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 BEACH ST STE 305, 305, MANCHESTER, MA 01944-1464

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	38 SCHOOL ST, MANCHESTER, MA 01944-1339
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37177-471
Date	Nov 27, 2018
Book Page	37177/471
Instrument	181127004050

Lender

Name	RICHARD J MAESTRANZI

Agreement

Amount	Amount on Record

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	38 SCHOOL ST, MANCHESTER, MA 01944-1339
Document Number	36884-459
Instrument Date	Jul 21, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SCHOOL ST MANCHESTER BY THE SEA MA 019441339, MANCHESTER BY THE SEA, MA 01944-1339

Mortgage

Document Number	36884-459
Date	Jul 24, 2018
Book Page	036884/000459
Instrument	1807244290

Lender

Name	DOMENIC L GERMANO

Agreement

Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	38 SCHOOL ST, MANCHESTER, MA 01944-1339
Document Number	36720-578
Instrument Date	May 16, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SCHOOL ST MANCHESTER BY THE SEA MA 019441339, MANCHESTER BY THE SEA, MA 01944-1339

Mortgage

Document Number	36720-578
Date	May 16, 2018
Book Page	036720/000578
Instrument	1805164290

Lender

Name	NEIL AYER

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	38 SCHOOL ST, MANCHESTER, MA 01944-1339
Document Number	36677-176
Instrument Date	Apr 26, 2018
Transaction Type	Mortgage
Record Updated	May 18, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SCHOOL ST MANCHESTER BY THE SEA MA 019441339, MANCHESTER BY THE SEA, MA 01944-1339

Mortgage

Document Number	36677-176
Date	Apr 27, 2018
Book Page	036677/000176
Instrument	1804275710

Lender

Name	RICHARD MAESTRANZI

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Oct 6, 2017
Property Address	38 SCHOOL ST, MANCHESTER, MA 01944-1339
Document Number	36233-421
Book / Page	036233 / 000421
Instrument Date	Oct 5, 2017
Instrument	1710060085
Transaction Type	Transfer
Record Updated	Oct 24, 2017

Transaction

Amount	Amount on Record
Tax	$6,156.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 NEWBURY ST #3407 DANVERS MA 019234121, 3407, DANVERS, MA 01923-4121

Tax Assessment & Valuation

The 2025 property tax bill for 38 School St was $15,675, up 4.6% 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	$15,675.00 (+4.63%)	$1,713,100 (+6.92%) Land $464,000 Building $1,249,100	$2,254,635
2024	$14,981.00 (+4.16%)	$1,602,200 (+16.19%) Land $447,400 Building $1,154,800
2023	$14,383.00	$1,379,000 Land $397,700 Building $981,300

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

Flood

FEMA maps place 38 School St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	4 (1991–2018)
Most Recent Claim	Jan 2018 · tidal / storm surge

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 38 School 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 272 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

May also be available: AT&T.

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