39 Central St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 39 Central St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Lot Size	0.356 acres (15,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,650,000 (Aug 2017)
Tax Bill	$22,220 (2025)
Deeds & Mortgages	May 2021 Refinance May 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0053 B:0000 L:0005`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0053 B:0000 L:0005`

Exterior

Lot Area	15,499 sqft (0.356 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	39 CENTRAL ST
City	MANCHESTER
State	MA
Zip	01944-1312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	G
Legal Lot Number	5
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	4
Census Block	4016
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

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	39 CENTRAL ST, MANCHESTER, MA 01944-1312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK
May 26, 2021	Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK
Oct 10, 2017	Deed of Trust, Mortgage · Closed-End Mortgage CAPE ANN SAVINGS BANK
Aug 15, 2017	Quit Claim Deed, Transfer CAPE ANN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2017 · Amount on Record
Deed Sale	Aug 15, 2017 · Amount on Record
Prior Sale	Jun 25, 2001 · Amount on Record
Deed Book / Page	36101 / 427
Transfer Doc	036101-427
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	39 CENTRAL ST, MANCHESTER, MA 01944-1312
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039920-579
Date	May 26, 2021
Book Page	39920/579
Instrument	20210526004360

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2046

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	39 CENTRAL ST, MANCHESTER, MA 01944-1312
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039920-591
Date	May 26, 2021
Book Page	39920/591
Instrument	20210526004370

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2046

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	39 CENTRAL ST, MANCHESTER, MA 01944-1312
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36240-507
Date	Oct 10, 2017
Book Page	36240/507
Instrument	516

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Aug 15, 2017
Property Address	39 CENTRAL ST, MANCHESTER, MA 01944-1312
Document Number	36101-427
Book / Page	36101 / 427
Instrument	204
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.51
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 CENTRAL ST, MANCHESTER, MA 01944-1312

Mortgage

Document Number	361010429
Date	Aug 15, 2017
Instrument	36101/0429

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

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	$22,220.00 (+7.31%)	$2,428,400 (+9.65%) Land $502,800 Building $1,925,600	$1,917,765
2024	$20,707.00 (+1.49%)	$2,214,600 (+13.2%) Land $502,800 Building $1,711,800
2023	$20,404.00	$1,956,300 Land $450,800 Building $1,505,500

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 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

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.

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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