98 Bridge St, Manchester, MA 01944 Property Records

Essex County and Manchester-by-the-Sea Town property record for 98 Bridge St, Manchester, MA 01944

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,344 sqft · built 1955
Lot Size	1.05 acres (46,130 sqft)
Owner	2 Individual Names on File
Last Sale	$3,500,000 (Oct 2022)
Tax Bill	$18,539 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MANC M:0021 B:0000 L:0003`

Property Details

APN / Parcel Number

Primary APN	`MANC M:0021 B:0000 L:0003`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,344 sqft Living Area
Gross Area	7,427 sqft
Basement Area	1,784 sqft
Unfinished Basement	1,495 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	46,130 sqft (1.05 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	98 BRIDGE ST
City	MANCHESTER
State	MA
Zip	01944-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Lot Number	3
Jurisdiction	MANCHESTER MA
Township / Civil Division	MANCHESTER-BY-THE-SEA
Census Block Group	4
Census Block	4027
Census Tract	218100

Owner

98 Bridge St is owned and occupied by two individuals who bought it in October 2022.

Source: Essex County and Manchester-by-the-Sea Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	98 BRIDGE ST, MANCHESTER, MA 01944-1413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Aug 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ELIGIUS HM CO INC
Jul 7, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 4, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2022 · Amount on File
Deed Sale	Oct 14, 2022 · Amount on File
Prior Sale	May 20, 2010 · Amount on File
Deed Document Number	2022510
Deed Book / Page	41244 / 385
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Oct 14, 2022
Property Address	98 BRIDGE ST, MANCHESTER, MA 01944-1413
Document Number	041244-385
Book / Page	41244 / 385
Instrument Date	Oct 14, 2022
Instrument	20221014000510
Transaction Type	Transfer
Record Updated	Nov 4, 2022

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	98 BRIDGE ST, MANCHESTER, MA 01944-1413

Mortgage

Document Number	0000000052
Date	Oct 14, 2022
Instrument	52

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Type Change Date	Nov 1, 2032
Max Rate At Change	2.75%
Index	Other

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANCHESTER MA
Property Address	98 BRIDGE ST, MANCHESTER, MA 01944-1413
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041103-137
Date	Aug 1, 2022
Book Page	41103/137
Instrument	20220801003410

Lender

Name	ELIGIUS HM CO INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jul 7, 2021
Property Address	98 BRIDGE ST, MANCHESTER, MA 01944-1413
Document Number	0040059-77
Book / Page	40059 / 77
Instrument Date	Jul 6, 2021
Instrument	20210707001520
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BRIDGE ST, MANCHESTER, MA 01944-1413

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANCHESTER MA
Recording Date	Jun 4, 2021
Property Address	98 BRIDGE ST, MANCHESTER, MA 01944-1413
Document Number	00039949-6
Book / Page	39949 / 6
Instrument Date	Jun 4, 2021
Instrument	20210604002080
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	98 BRIDGE ST, MANCHESTER, MA 01944-1413

Tax Assessment & Valuation

The 2025 property tax bill for 98 Bridge St was $18,539, up 3.9% from the year before.

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	$18,539.00 (+3.94%)	$2,026,100 (+6.21%) Land $658,200 Building $1,367,900	$3,918,750
2024	$17,836.00 (+2.11%)	$1,907,600 (+13.9%) Land $658,200 Building $1,249,400
2023	$17,468.00	$1,674,800 Land $590,100 Building $1,084,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 98 Bridge St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	4 (1991–2018)
Most Recent Claim	Jan 2018 · tidal / storm surge

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

Wildfire risk around 98 Bridge 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.

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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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