Essex County and Manchester-by-the-Sea Town property record for 48 Central St, Manchester, MA 01944
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 5,023 sqft · built 1840 |
| Lot Size | 0.173 acres (7,518 sqft) |
| Owner | Company Name on Record |
| Last Sale | $4,500,000 (Jul 2022) |
| Tax Bill | $41,079 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MANC M:0044 B:0000 L:0019 |
| Primary APN | MANC M:0044 B:0000 L:0019 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 3 Stories |
| Building Area | 5,023 sqft Living Area |
| Gross Area | 6,419 sqft |
| Basement Area | 1,812 sqft |
| Unfinished Basement | 496 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,518 sqft (0.173 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 48 CENTRAL ST |
|---|---|
| City | MANCHESTER |
| State | MA |
| Zip | 01944-1362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | G |
| Legal Lot Number | 19 |
| Jurisdiction | MANCHESTER MA |
| Township / Civil Division | MANCHESTER-BY-THE-SEA |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 218100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Manchester Village Historic District listed 1990 · 181 contributing resources · NRIS 89002156 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Essex County and Manchester-by-the-Sea Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 2185 DRISCOLL DR, RENO, NV 89509-3014 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 11, 2022 | Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE |
| Apr 30, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2022 · Amount on Record |
| Deed Sale | Jul 11, 2022 · Amount on Record |
| Prior Sale | Apr 30, 2019 · Amount on Record |
| Deed Document Number | 20222680 |
| Deed Book / Page | 41057 / 390 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Jul 11, 2022 |
| Property Address | 48 CENTRAL ST, MANCHESTER, MA 01944-1362 |
| Document Number | 041057-390 |
| Book / Page | 41057 / 390 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 20220711002680 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 48 CENTRAL ST, MANCHESTER, MA 01944-1362 |
| Document Number | 220711002690 |
|---|---|
| Date | Jul 11, 2022 |
| Instrument | 220711002690 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.13% |
| Type Change Date | Aug 1, 2032 |
| Max Rate At Change | 3% |
| Index | Other |
| Margin | 3 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANCHESTER MA |
| Recording Date | Apr 30, 2019 |
| Property Address | 48 CENTRAL ST, MANCHESTER, MA 01944-1362 |
| Document Number | 37477-123 |
| Book / Page | 37477 / 123 |
| Instrument Date | Mar 11, 2019 |
| Instrument | 20190430004890 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 27 OLD NECK RD, MANCHESTER, MA 01944-1510 |
| Document Number | 190430004900 |
|---|---|
| Date | Apr 30, 2019 |
| Instrument | 190430004900 |
| Name | WASHINGTON TRUST MORTGAGE CO |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | May 1, 2026 |
Source: Essex County and Manchester-by-the-Sea Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Manchester-by-the-Sea Town |
| Unified School District | Manchester Essex Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $41,079.00 (+5.57%) | $4,489,500 (+7.88%) Land $1,020,200 Building $3,469,300 | $4,596,290 |
| 2024 | $38,910.00 (+62.52%) | $4,161,500 (+81.3%) Land $988,300 Building $3,173,200 | |
| 2023 | $23,941.00 | $2,295,400 Land $765,200 Building $1,530,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 20 (1978–2024) |
| Claims Outside the SFHA | 3 of 20 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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.
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 | 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 |
| 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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