Essex County and Ipswich Town property record for 89 Central St, Ipswich, MA 01938
| Property Type | Triplex |
|---|---|
| Details | 7 bd · 5 ba · 4,336 sqft · built 1900 |
| Lot Size | 0.277 acres (12,070 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $417,000 (Jun 2013) |
| Tax Bill | $11,189 (2026) |
| Deeds & Mortgages | Mar 2022 Refinance Mar 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | IPSW M:30D B:0041 L:0 |
| Primary APN | IPSW M:30D B:0041 L:0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 14 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 4,336 sqft Living Area |
| Gross Area | 7,413 sqft |
| Basement Area | 1,020 sqft |
| Unfinished Basement | 1,020 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 12,070 sqft (0.277 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 2437 |
|---|---|
| Street Address | 89 CENTRAL ST |
| City | IPSWICH |
| State | MA |
| Zip | 01938-1901 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | IR |
| Legal Block | 41 |
| Jurisdiction | IPSWICH MA |
| Township / Civil Division | IPSWICH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 223200 |
89 Central St, a triplex, is owned and occupied by two individuals who acquired it in March 2022.
Source: Essex County and Ipswich Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 89 CENTRAL ST, IPSWICH, MA 01938-1901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT |
| Mar 21, 2022 | Deed of Trust, Mortgage · Line of Credit INSTITUTION FOR SAVINGS NEWBURYPORT |
| Mar 21, 2022 | Quit Claim Deed, Transfer · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2013 · Amount on File |
| Deed Sale | Jun 20, 2013 · Amount on File |
| Deed Book / Page | 32579 / 515 |
| Last Transfer Date | Mar 19, 2022 |
| Transfer Doc | 00040805-8 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 89 CENTRAL ST, IPSWICH, MA 01938-1901 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0040805-10 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 40805/10 |
| Instrument | 20220321003040 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 89 CENTRAL ST, IPSWICH, MA 01938-1901 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0040805-29 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 40805/29 |
| Instrument | 20220321003050 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | IPSWICH MA |
| Recording Date | Mar 21, 2022 |
| Property Address | 89 CENTRAL ST, IPSWICH, MA 01938-1901 |
| Document Number | 00040805-8 |
| Book / Page | 40805 / 8 |
| Instrument Date | Mar 19, 2022 |
| Instrument | 20220321003030 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 89 CENTRAL ST, IPSWICH, MA 01938-1901 |
| Document Number | 20220321003040 |
|---|---|
| Date | Mar 21, 2022 |
| Instrument | 20220321003040 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2042 |
The 2026 property tax bill for 89 Central St was $11,189, up 0.2% 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 |
|---|---|---|
| 2026 | $11,189.00 (+0.2%) | $1,037,900 (+3.63%) Land $306,300 Building $731,600 |
| 2025 | $11,167.00 (+20.05%) | $1,001,500 (+22.52%) Land $288,600 Building $712,900 |
| 2024 | $9,302.00 (+2.24%) | $817,400 (+9.88%) Land $290,000 Building $527,400 |
| 2023 | $9,098.00 | $743,900 Land $238,800 Building $505,100 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 89 Central St in Zone X, an area of minimal flood risk, though there have been 7 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 |
| 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.
Wildfire risk around 89 Central 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 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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