46 Forster Rd, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 46 Forster Rd, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,747 sqft · built 1900
Lot Size	1.32 acres (57,634 sqft)
Owner	2 Trust Names on File
Last Sale	$1,200,000 (Jan 2021)
Tax Bill	$13,526 (2025)
Deeds & Mortgages	Nov 2022 Refinance Sep 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0029 B:0000 L:0038`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0029 B:0000 L:0038`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,747 sqft Living Area
Gross Area	6,192 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Rustic
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	57,634 sqft (1.32 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	46 FORSTER RD
City	MANCHESTER
State	MA
Zip	01944-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Lot Number	38
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	4
Census Block	4013
Census Tract	218100

Owner

46 Forster Rd is owner-occupied and held in a trust since January 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	46 FORSTER RD, MANCHESTER, MA 01944-1422
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Nov 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Sep 28, 2022	Deed of Trust, Mortgage · ARM WORKERS CU
Sep 13, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 14, 2021	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Apr 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CENTURY BANK & TRUST
Jan 5, 2021	Quit Claim Deed, Transfer
May 28, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2021 · Amount on File
Deed Sale	Jan 5, 2021 · Amount on File
Prior Sale	Jan 19, 2016
Deed Document Number	20215310
Prior Transfer Date	Dec 28, 2020
Prior Transfer Doc	39379-3
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	46 FORSTER RD, MANCHESTER, MA 01944-1422
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041289-65
Date	Nov 7, 2022
Book Page	41289/65
Instrument	20221107000590

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2042

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	46 FORSTER RD, MANCHESTER, MA 01944-1422
Transaction Type	Mortgage
Record Updated	Oct 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041216-154
Date	Sep 28, 2022
Book Page	41216/154
Instrument	225

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 1, 2032
Index	1-Year CMT

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	46 FORSTER RD, MANCHESTER, MA 01944-1422
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40268-142
Date	Sep 13, 2021
Book Page	40268/142
Instrument	20210913000360

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2046

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	46 FORSTER RD, MANCHESTER, MA 01944-1422
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39878-137
Date	May 14, 2021
Book Page	39878/137
Instrument	20210514004880

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	46 FORSTER RD, MANCHESTER, MA 01944-1422
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39788-396
Date	Apr 21, 2021
Book Page	39788/396
Instrument	20210421000940

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	85 Months
Due	May 1, 2028

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jan 5, 2021
Property Address	46 FORSTER RD, MANCHESTER, MA 01944-1422
Document Number	39379-3
Book / Page	39379 / 3
Instrument Date	Dec 28, 2020
Instrument	20210105005310
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	46 FORSTER RD, MANCHESTER, MA 01944-1422

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	May 28, 2019
Property Address	46 FORSTER RD, MANCHESTER, MA 01944-1422
Document Number	37539-21
Book / Page	037539 / 000021
Instrument Date	May 10, 2019
Instrument	1905283000
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	46 FORSTER RD MANCHESTER BY THE SEA MA 019441422, MANCHESTER BY THE SEA, MA 01944-1422

Tax Assessment & Valuation

The 2025 property tax bill for 46 Forster Rd was $13,526, 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	$13,526.00 (+4.55%)	$1,478,200 (+6.84%) Land $646,500 Building $831,700	$2,048,960
2024	$12,937.00 (+4.93%)	$1,383,600 (+17.05%) Land $623,500 Building $760,100
2023	$12,329.00	$1,182,100 Land $554,500 Building $627,600

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

Flood

FEMA maps place 46 Forster Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims 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 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	4 (1991–2018)
Most Recent Claim	Jan 2018 · tidal / storm surge

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 46 Forster Rd 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Forster Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures