77 Forest St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 77 Forest St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 6,666 sqft · built 2022
Lot Size	8.54 acres (372,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Mar 2021)
Tax Bill	$15,232 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0036 B:0000 L:0048`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0036 B:0000 L:0048`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	6,666 sqft Living Area
Gross Area	9,078 sqft
Basement Area	3,000 sqft
Unfinished Basement	636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	372,068 sqft (8.54 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	77 FOREST ST
City	MANCHESTER
State	MA
Zip	01944-1256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Lot Number	48
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	1
Census Block	1004
Census Tract	218100

Owner

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	2 Individual Names on Record
Mailing Address	206 ENDICOTT ST, 4, BOSTON, MA 02113-1559
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2024	Deed of Trust, Mortgage · ARM WINCHESTER COOPERATIVE BANK
Apr 8, 2022	Deed of Trust, Mortgage · ARM WINCHESTER COOPERATIVE BANK
Mar 26, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WINCHESTER COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Prior Sale	Aug 11, 2014 · Amount on Record
Deed Book / Page	39692 / 105
Transfer Doc	2805000252
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	77 FOREST ST, MANCHESTER, MA 01944-1256
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042483-528
Date	Dec 13, 2024
Book Page	42483/528
Instrument	20241213001380

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Dec 13, 2029

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	77 FOREST ST, MANCHESTER, MA 01944-1256
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040850-76
Date	Apr 8, 2022
Book Page	40850/76
Instrument	20220408001650

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Apr 8, 2027
Index	5-Year CMT

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Mar 26, 2021
Property Address	77 FOREST ST, MANCHESTER, MA 01944-1256
Document Number	039692-105
Book / Page	39692 / 105
Instrument Date	Mar 26, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	77 FOREST ST, MANCHESTER, MA 01944-1256

Mortgage

Document Number	0039692107
Date	Mar 26, 2021
Instrument	39692/107

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Mar 26, 2026
Max Rate At Change	2.5%
Index	5-Year CMT

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	$15,232.00 (+72.6%)	$1,664,700 (+76.38%) Land $697,800 Building $966,900	$2,173,695
2024	$8,825.00 (+29.47%)	$943,800 (+44.42%) Land $667,800 Building $276,000
2023	$6,816.00	$653,500 Land $604,000 Building $49,500

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 individual policies
Nearby Flood Policies	53 units insured incl. 12 condo units
Nearby Flood Claims	52 (1978–2024)
Claims Outside the SFHA	1 of 52
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 5 claims Severe Storms And Flooding, May 2006 · 15 claims Coastal Storm, Oct 1991 · 15 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	0.02% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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