Essex County and Ipswich Town property record for 45 High St, Ipswich, MA 01938
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,661 sqft · built 1712 |
| Lot Size | 0.372 acres (16,210 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $675,000 (Jul 2020) |
| Tax Bill | $10,535 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | IPSW M:30D B:0027 L:0 |
| Primary APN | IPSW M:30D B:0027 L:0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,661 sqft Living Area |
| Gross Area | 5,099 sqft |
| Basement Area | 1,477 sqft |
| Unfinished Basement | 1,477 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1712 |
|---|---|
| Effective Year Built | Effective 1712 |
| Architectural Style | Historical |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,210 sqft (0.372 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 2420 |
|---|---|
| Street Address | 45 HIGH ST |
| City | IPSWICH |
| State | MA |
| Zip | 01938-1905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IR |
| Legal Block | 27 |
| Jurisdiction | IPSWICH MA |
| Township / Civil Division | IPSWICH |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 223100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the High Street Historic District listed 1980 · 39 contributing resources · NRIS 80000454 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
45 High St is owned and occupied by two individuals who bought it in July 2020.
Source: Essex County and Ipswich Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 HIGH ST, IPSWICH, MA 01938-1905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 8, 2025 | Deed of Trust, Mortgage BANK OF AMERICA NA |
| Jul 27, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Jul 13, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage INSTITUTION FOR SVGS NEWBURYPO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2020 · Amount on File |
| Deed Sale | Jul 27, 2020 · Amount on File |
| Prior Sale | Jul 13, 2018 · Amount on File |
| Deed Book / Page | 38756 / 110 |
| Prior Transfer Date | Jul 23, 2020 |
| Prior Transfer Doc | 38756-110 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 45 HIGH ST, IPSWICH, MA 01938-1905 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000661227 |
|---|---|
| Date | Sep 8, 2025 |
| Instrument | 661227 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | IPSWICH MA |
| Recording Date | Jul 27, 2020 |
| Property Address | 45 HIGH ST, IPSWICH, MA 01938-1905 |
| Document Number | 38756-110 |
| Book / Page | 38756 / 110 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 20200727006420 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 45 HIGH ST, IPSWICH, MA 01938-1905 |
| Document Number | 614539 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 614539 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | IPSWICH MA |
| Recording Date | Jul 13, 2018 |
| Property Address | 45 HIGH ST, IPSWICH, MA 01938-1905 |
| Book / Page | 036862 / 000493 |
| Instrument Date | Jun 13, 2018 |
| Instrument | 1807135720 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,990.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 HIGH ST IPSWICH MA 019381905, IPSWICH, MA 01938-1905 |
| Document Number | 36862-493 |
|---|---|
| Date | Jul 13, 2018 |
| Book Page | 036862/000493 |
| Instrument | 594314 |
| Name | INSTITUTION FOR SVGS NEWBURYPO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 12, 2048 |
The 2026 property tax bill for 45 High St was $10,535, up 6.5% 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 | $10,535.00 (+6.47%) | $977,300 (+10.13%) Land $307,300 Building $670,000 | $1,006,191 (+22.54%) |
| 2025 | $9,895.00 (+4.76%) | $887,400 (+6.92%) Land $289,600 Building $597,800 | $821,085 |
| 2024 | $9,445.00 (+10.91%) | $830,000 (+19.2%) Land $289,900 Building $540,100 | |
| 2023 | $8,516.00 | $696,300 Land $247,500 Building $448,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 High St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1991.
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 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (1991) |
| Most Recent Claim | Oct 1991 · Coastal Storm |
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 45 High 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 |
| Adjoins Burnable Land | Yes |
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 184 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 |
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