40 Forest St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 40 Forest St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,663 sqft · built 1930
Lot Size	0.176 acres (7,671 sqft)
Owner	Company Name on File
Last Sale	$550,000 (Jan 2017)
Tax Bill	$7,067 (2025)
Deeds & Mortgages	Jun 2021 Refinance Jul 2023 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0039 B:0000 L:0040`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0039 B:0000 L:0040`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,663 sqft Living Area
Gross Area	2,265 sqft
Basement Area	665 sqft
Unfinished Basement	166 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,671 sqft (0.176 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	40 FOREST ST
City	MANCHESTER
State	MA
Zip	01944-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Lot Number	40
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	2
Census Block	2001
Census Tract	218100

Owner

40 Forest St is owned by a company that bought it in January 2017.

Source: Essex County and Manchester-by-the-Sea Town records, as of July 20, 2026

Owner of Record	Company Name on File
Mailing Address	36 WALKER RD, MANCHESTER, MA 01944-1033
Owner Type	Company
Vesting	Company

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
Jun 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jul 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Jul 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOWELL FIVE CENTS SAVINGS BANK
Oct 29, 2025	Quit Claim Deed, Transfer Quitclaim
Sep 29, 2017	Deed of Trust, Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 3, 2017	Quit Claim Deed, Transfer CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2017 · Amount on File
Deed Sale	Jan 3, 2017 · Amount on File
Prior Sale	Aug 15, 2011 · Amount on File
Deed Book / Page	35585 / 511
Transfer Doc	035585-511
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	40 FOREST ST, MANCHESTER, MA 01944-1209
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039954-129
Date	Jun 7, 2021
Book Page	39954/129
Instrument	20210607003100

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	40 FOREST ST, MANCHESTER, MA 01944-1209
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041656-38
Date	Jul 11, 2023
Book Page	41656/38
Instrument	20230711002630

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2043

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	40 FOREST ST, MANCHESTER, MA 01944-1209
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042836-236
Date	Jul 17, 2025
Book Page	42836/236
Instrument	20250717003330

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Aug 1, 2030
Index	1-Year CMT

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Oct 29, 2025
Property Address	40 FOREST ST, MANCHESTER, MA 01944-1209
Document Number	0043035-93
Book / Page	43035 / 93
Instrument Date	Oct 16, 2025
Instrument	20251029002500
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 WALKER RD, MANCHESTER BY THE SEA, MA 01944-1033

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	40 FOREST ST, MANCHESTER, MA 01944-1209
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36213-398
Date	Sep 29, 2017
Book Page	36213/398
Instrument	177

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jan 3, 2017
Property Address	40 FOREST ST, MANCHESTER, MA 01944-1209
Document Number	35585-511
Book / Page	35585 / 511
Instrument	337
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53.66
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	355850514
Date	Jan 3, 2017
Instrument	35585/0514

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 40 Forest St was $7,067, 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	$7,067.00 (+4.56%)	$772,300 (+6.83%) Land $402,400 Building $369,900	$857,470
2024	$6,759.00 (+1.7%)	$722,900 (+13.45%) Land $383,200 Building $339,700
2023	$6,646.00	$637,200 Land $343,300 Building $293,900

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

Flood

FEMA maps place 40 Forest St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1996.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (1996–2006)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Jun 2006 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 10 claims Extreme Weather Conditons And Flooding, Oct 1996 · 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

Wildfire risk around 40 Forest 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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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