Essex County and Ipswich Town property record for 4 Cottage St, Ipswich, MA 01938
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,676 sqft · built 1905 |
| Lot Size | 0.105 acres (4,590 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Mar 1999) |
| Tax Bill | $6,078 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | IPSW M:41B B:0236 L:0 |
| Primary APN | IPSW M:41B B:0236 L:0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,676 sqft Living Area |
| Gross Area | 3,282 sqft |
| Basement Area | 710 sqft |
| Unfinished Basement | 710 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,590 sqft (0.105 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3486 |
|---|---|
| Street Address | 4 COTTAGE ST |
| City | IPSWICH |
| State | MA |
| Zip | 01938-1842 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IR |
| Legal Block | 236 |
| Jurisdiction | IPSWICH MA |
| Township / Civil Division | IPSWICH |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 223200 |
4 Cottage St is owned and occupied by two individuals who bought it in March 1999.
Source: Essex County and Ipswich Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 COTTAGE ST, IPSWICH, MA 01938-1842 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 1999 · Amount on File |
| Deed Sale | Mar 31, 1999 · Amount on File |
| Prior Sale | Sep 29, 1992 · Amount on File |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 4 Cottage St was $6,078, up 0.4% from the year before.
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 | $6,078.00 (+0.43%) | $563,800 (+3.87%) Land $304,400 Building $259,400 | $702,414 (+5.45%) |
| 2025 | $6,052.00 (+6.93%) | $542,800 (+9.13%) Land $286,800 Building $256,000 | $666,140 |
| 2024 | $5,660.00 (+12.08%) | $497,400 (+20.47%) Land $286,800 Building $210,600 | |
| 2023 | $5,050.00 | $412,900 Land $223,100 Building $189,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Cottage St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.
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 |
| Nearby Flood Claims | 4 (1979–1987) |
| Most Recent Claim | Apr 1987 · Severe Storms & Flooding |
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 4 Cottage 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.
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 509 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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