Essex County and Ipswich Town property record for 5 Payne St, Ipswich, MA 01938
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,286 sqft · built 2021 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $825,000 (Dec 2021) |
| Tax Bill | $11,044 (2026) |
| Deeds & Mortgages | Aug 2022 Refinance Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | IPSW M:42C B:0114 L:0 |
| Primary APN | IPSW M:42C B:0114 L:0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,286 sqft Living Area |
| Gross Area | 4,993 sqft |
| Basement Area | 909 sqft |
| Unfinished Basement | 909 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,500 sqft (0.126 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 7318 |
|---|---|
| Street Address | 5 PAYNE ST |
| City | IPSWICH |
| State | MA |
| Zip | 01938-2318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1R |
| Legal Block | 114 |
| Jurisdiction | IPSWICH MA |
| Township / Civil Division | IPSWICH |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 223200 |
5 Payne St is owned and occupied by two individuals who bought it in December 2021.
Source: Essex County and Ipswich Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 PAYNE ST, IPSWICH, MA 01938-2318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| Dec 3, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2021 · Amount on File |
| Deed Sale | Dec 3, 2021 · Amount on File |
| Deed Book / Page | 40545 / 14 |
| Prior Transfer Date | Dec 2, 2021 |
| Prior Transfer Doc | 4054000014 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 5 PAYNE ST, IPSWICH, MA 01938-2318 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041129-100 |
|---|---|
| Date | Aug 15, 2022 |
| Book Page | 41129/100 |
| Instrument | 20220815000250 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | IPSWICH MA |
| Recording Date | Dec 3, 2021 |
| Property Address | 5 PAYNE ST, IPSWICH, MA 01938-2318 |
| Document Number | 0040545-14 |
| Book / Page | 40545 / 14 |
| Instrument Date | Dec 2, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| 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 | Tenants by the Entirety |
| Address | 5 PAYNE ST, IPSWICH, MA 01938-2318 |
| Document Number | 0004054516 |
|---|---|
| Date | Dec 3, 2021 |
| Instrument | 40545/16 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 5 Payne St was $11,044, up 2.7% 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 | $11,044.00 (+2.7%) | $1,024,500 (+6.22%) Land $325,400 Building $699,100 | $1,119,307 (+18.98%) |
| 2025 | $10,754.00 (+7.28%) | $964,500 (+9.5%) Land $306,600 Building $657,900 | $940,785 |
| 2024 | $10,024.00 (+7.91%) | $880,800 (+15.97%) Land $305,300 Building $575,500 | |
| 2023 | $9,289.00 | $759,500 Land $257,100 Building $502,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Payne St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 units insured incl. 2 condo units |
| Nearby Flood Claims | 6 (1978–2006) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | May 2006 · Severe Storms And Flooding |
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 5 Payne 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 148 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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