Essex County and Ipswich Town property record for 85 Central St, Ipswich, MA 01938
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,335 sqft · built 2005 |
| Lot Size | 0.157 acres (6,860 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $265,000 (Oct 2002) |
| Tax Bill | $8,473 (2026) |
| Deeds & Mortgages | Apr 2024 Transfer Mar 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | IPSW M:30D B:0043 L:0 |
| Primary APN | IPSW M:30D B:0043 L:0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,335 sqft Living Area |
| Gross Area | 3,864 sqft |
| Basement Area | 552 sqft |
| Unfinished Basement | 552 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,860 sqft (0.157 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 2439 |
|---|---|
| Street Address | 85 CENTRAL ST |
| City | IPSWICH |
| State | MA |
| Zip | 01938-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IR |
| Legal Block | 43 |
| Jurisdiction | IPSWICH MA |
| Township / Civil Division | IPSWICH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 223200 |
Source: Essex County and Ipswich 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 Company Names on Record |
|---|---|
| Mailing Address | 85 CENTRAL ST, IPSWICH, MA 01938-1901 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Apr 22, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Mar 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 3, 2018 | Deed of Trust, Mortgage FIRST IPSWICH BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2002 · Amount on Record |
| Deed Sale | Oct 22, 2002 · Amount on Record |
| Prior Sale | Dec 19, 1997 · Amount on Record |
| Last Transfer Date | Apr 9, 2024 |
| Transfer Doc | 042078-541 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | IPSWICH MA |
| Recording Date | Apr 22, 2024 |
| Property Address | 85 CENTRAL ST, IPSWICH, MA 01938-1901 |
| Document Number | 042078-541 |
| Book / Page | 42078 / 541 |
| Instrument Date | Apr 9, 2024 |
| Instrument | 20240422001470 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 85 CENTRAL ST, IPSWICH, MA 01938-1901 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 85 CENTRAL ST, IPSWICH, MA 01938-1901 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39658-426 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 39658/426 |
| Instrument | 20210317004420 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 85 CENTRAL ST, IPSWICH, MA 01938-1901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36448-416 |
|---|---|
| Date | Jan 3, 2018 |
| Book Page | 36448/416 |
| Instrument | 180103000070 |
| Name | FIRST IPSWICH BANK |
|---|
| Amount | Amount Recorded |
|---|
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 | $8,473.00 (-3.79%) | $786,000 (-0.49%) Land $277,600 Building $508,400 | $844,152 (+17.55%) |
| 2025 | $8,807.00 (+3.07%) | $789,900 (+5.19%) Land $261,600 Building $528,300 | $718,105 |
| 2024 | $8,545.00 (+2.45%) | $750,900 (+10.1%) Land $262,800 Building $488,100 | |
| 2023 | $8,341.00 | $682,000 Land $216,500 Building $465,500 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 7 (1991–2010) |
| Claims Outside the SFHA | 5 of 7 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| 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 | 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 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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