97 Summer St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 97 Summer St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,614 sqft · built 1890
Lot Size	0.606 acres (26,402 sqft)
Owner	2 Individual Names on Record
Last Sale	$849,000 (Jul 2023)
Tax Bill	$7,868 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0014 B:0000 L:0019`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0014 B:0000 L:0019`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,614 sqft Living Area
Gross Area	2,193 sqft
Basement Area	567 sqft
Unfinished Basement	295 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	26,402 sqft (0.606 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	97 SUMMER ST
City	MANCHESTER
State	MA
Zip	01944-1268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Lot Number	19
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	1
Census Block	1021
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	97 SUMMER ST, MANCHESTER, MA 01944-1268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP
Sep 8, 2022	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	Sep 8, 2022 · Amount on Record
Deed Document Number	20234880
Deed Book / Page	41691 / 245
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jul 31, 2023
Property Address	97 SUMMER ST, MANCHESTER, MA 01944-1268
Document Number	041691-245
Book / Page	41691 / 245
Instrument Date	Jul 31, 2023
Instrument	20230731004880
Transaction Type	Transfer
Record Updated	Aug 11, 2023

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 with Right of Survivorship
Address	97 SUMMER ST, MANCHESTER BY THE SEA, MA 01944-1268

Mortgage

Document Number	230731004890
Date	Jul 31, 2023
Instrument	230731004890

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MANCHESTER MA
Recording Date	Sep 8, 2022
Property Address	97 SUMMER ST, MANCHESTER, MA 01944-1268
Document Number	041178-293
Book / Page	41178 / 293
Instrument Date	Sep 8, 2022
Instrument	355
Transaction Type	Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount Recorded
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
Address	2 INTERNATIONAL PL, BOSTON, MA 02110-4142

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	$7,868.00 (+41.84%)	$859,900 (+44.94%) Land $460,700 Building $399,200	$930,335
2024	$5,547.00 (+0.74%)	$593,300 (+12.39%) Land $438,800 Building $154,500
2023	$5,506.00	$527,900 Land $393,100 Building $134,800

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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MANCHESTER BY THE SEA DPW serves 5,201 people · EPA ID MA3166000
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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