Essex County and Ipswich Town property record for 97 Central St, Ipswich, MA 01938
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,235 sqft · built 1910 |
| Lot Size | 0.128 acres (5,580 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $342,000 (Apr 2008) |
| Tax Bill | $6,408 (2026) |
| Deeds & Mortgages | Dec 2023 Refinance Sep 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | IPSW M:30D B:0067 L:0 |
| Primary APN | IPSW M:30D B:0067 L:0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,235 sqft Living Area |
| Gross Area | 2,218 sqft |
| Basement Area | 767 sqft |
| Unfinished Basement | 767 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,580 sqft (0.128 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2463 |
|---|---|
| Street Address | 97 CENTRAL ST |
| City | IPSWICH |
| State | MA |
| Zip | 01938-1903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IR |
| Legal Block | 67 |
| Jurisdiction | IPSWICH MA |
| Township / Civil Division | IPSWICH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 223200 |
97 Central St is owned and occupied by two individuals who acquired it in June 2021.
Source: Essex County and Ipswich Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 97 CENTRAL ST, IPSWICH, MA 01938-1903 |
| 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 |
|---|---|
| Dec 5, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance BROOKLINE BANK |
| Sep 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP |
| Sep 28, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP |
| Jul 18, 2017 | Deed of Trust, Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2008 · Amount on File |
| Deed Sale | Apr 18, 2008 · Amount on File |
| Prior Sale | Aug 20, 2004 · Amount on File |
| Last Transfer Date | Jun 16, 2021 |
| Transfer Doc | 040320-293 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 97 CENTRAL ST, IPSWICH, MA 01938-1903 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 041890-428 |
|---|---|
| Date | Dec 5, 2023 |
| Book Page | 41890/428 |
| Instrument | 20231205000430 |
| Name | BROOKLINE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Jan 1, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 97 CENTRAL ST, IPSWICH, MA 01938-1903 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 040320-296 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 40320/296 |
| Instrument | 20210928000460 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | IPSWICH MA |
| Recording Date | Sep 28, 2021 |
| Property Address | 97 CENTRAL ST, IPSWICH, MA 01938-1903 |
| Document Number | 40320-293 |
| Book / Page | 40320 / 293 |
| Instrument Date | Jun 16, 2021 |
| Instrument | 20210928000450 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97 CENTRAL ST, IPSWICH, MA 01938-1903 |
| Investor | Possibly a Property Investor |
| Document Number | 40320-296 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 40320/296 |
| Instrument | 20210928000460 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IPSWICH MA |
| Property Address | 97 CENTRAL ST, IPSWICH, MA 01938-1903 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36024-297 |
|---|---|
| Date | Jul 18, 2017 |
| Book Page | 36024/297 |
| Instrument | 23 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jul 1, 2037 |
The 2026 property tax bill for 97 Central St was $6,408, down 0.5% 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 | $6,408.00 (-0.5%) | $594,400 (+2.91%) Land $288,800 Building $305,600 | $645,281 (+10.79%) |
| 2025 | $6,440.00 (+4.04%) | $577,600 (+6.2%) Land $272,100 Building $305,500 | $582,445 |
| 2024 | $6,190.00 (+7.61%) | $543,900 (+15.65%) Land $273,400 Building $270,500 | |
| 2023 | $5,752.00 | $470,300 Land $225,200 Building $245,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97 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 97 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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