45 School St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 45 School St, Manchester, MA 01944

Property Summary

Property Type	Duplex
Details	5 bd · 5 ba · 4,537 sqft · built 1812
Lot Size	0.711 acres (30,989 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,995,000 (Oct 2022)
Tax Bill	$19,328 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0050 B:0000 L:0017`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0050 B:0000 L:0017`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	4,537 sqft Living Area
Gross Area	8,896 sqft
Basement Area	1,830 sqft
Unfinished Basement	1,830 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1812
Effective Year Built	Effective 1812
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	30,989 sqft (0.711 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	45 SCHOOL ST
City	MANCHESTER
State	MA
Zip	01944-1341
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	D
Legal Lot Number	17
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	2
Census Block	2010
Census Tract	218100

Owner

Source: Essex County and Manchester-by-the-Sea 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	45 SCHOOL ST, MANCHESTER, MA 01944-1341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Sep 10, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2022 · Amount on Record
Deed Sale	Oct 26, 2022 · Amount on Record
Prior Sale	Sep 10, 2020 · Amount on Record
Deed Book / Page	41267 / 249
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Oct 26, 2022
Property Address	45 SCHOOL ST, MANCHESTER, MA 01944-1341
Document Number	041267-249
Book / Page	41267 / 249
Instrument Date	Oct 26, 2022
Instrument	20221026002910
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	43 SCHOOL ST # 45, 45, MANCHESTER, MA 01944-1341

Mortgage

Document Number	221026002920
Date	Oct 26, 2022
Instrument	221026002920

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Sep 10, 2020
Property Address	45 SCHOOL ST, MANCHESTER, MA 01944-1341
Document Number	038923-340
Book / Page	38923 / 340
Instrument Date	Sep 9, 2020
Instrument	20200910005810
Transaction Type	Transfer
Record Updated	Jul 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	45 SCHOOL ST, MANCHESTER, MA 01944-1341

Mortgage

Document Number	200910005840
Date	Sep 10, 2020
Instrument	200910005840

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$19,328.00 (+5.59%)	$2,112,300 (+7.9%) Land $561,400 Building $1,550,900	$2,284,205
2024	$18,304.00 (+2.73%)	$1,957,700 (+14.6%) Land $541,300 Building $1,416,400
2023	$17,818.00	$1,708,300 Land $481,200 Building $1,227,100

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
Flood Insurance Cost	Premium on Record 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

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 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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