44 Howe St, Ipswich, MA 01938 Property Records

Essex County and Ipswich Town property record for 44 Howe St, Ipswich, MA 01938

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,240 sqft · built 1960
Lot Size	0.408 acres (17,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$499,000 (Jun 2017)
Tax Bill	$7,821 (2026)
Deeds & Mortgages	Jul 2019 Refinance Jan 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`IPSW M:27B B:0015 L:0`

Property Details

APN / Parcel Number

Primary APN	`IPSW M:27B B:0015 L:0`
Alternative APN	`1554`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,240 sqft Living Area
Gross Area	3,512 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,792 sqft (0.408 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1554
Street Address	44 HOWE ST
City	IPSWICH
State	MA
Zip	01938-1138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRA
Legal Subdivision	WILLOWDALE ACRES
Legal Block	15
Jurisdiction	IPSWICH MA
Township / Civil Division	IPSWICH
Census Block Group	1
Census Block	1009
Census Tract	223300

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	44 HOWE ST, IPSWICH, MA 01938-1138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Jan 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Sep 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Jun 2, 2017	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2017 · Amount on Record
Deed Sale	Jun 2, 2017 · Amount on Record
Prior Sale	Nov 22, 2010 · Amount on Record
Deed Book / Page	35915 / 418
Transfer Doc	035915-418
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IPSWICH MA
Property Address	44 HOWE ST, IPSWICH, MA 01938-1138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37655-558
Date	Jul 11, 2019
Book Page	37655/558
Instrument	20190711001580

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IPSWICH MA
Property Address	44 HOWE ST, IPSWICH, MA 01938-1138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38172-373
Date	Jan 6, 2020
Book Page	38172/373
Instrument	20200106001240

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IPSWICH MA
Property Address	44 HOWE ST, IPSWICH, MA 01938-1138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38938-393
Date	Sep 15, 2020
Book Page	38938/393
Instrument	20200915004650

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	IPSWICH MA
Recording Date	Jun 2, 2017
Property Address	44 HOWE ST, IPSWICH, MA 01938-1138
Document Number	35915-418
Book / Page	35915 / 418
Instrument	331
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.55
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 HOWE ST, IPSWICH, MA 01938-1138

Mortgage

Document Number	359150420
Date	Jun 2, 2017
Instrument	35915/0420

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2047

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	$7,821.00 (+4.87%)	$725,500 (+8.46%) Land $342,200 Building $383,300	$809,201 (+4.25%)
2025	$7,458.00 (-0.9%)	$668,900 (+1.15%) Land $322,500 Building $346,400	$776,245
2024	$7,526.00 (-1.76%)	$661,300 (+5.57%) Land $322,500 Building $338,800
2023	$7,661.00	$626,400 Land $297,400 Building $329,000

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2006 · rainfall accumulation

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	Direct burnable vegetation

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	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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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