Essex County and Gloucester City property record for 1 Gardner Ter, Gloucester, MA 01930
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,744 sqft · built 1916 |
| Lot Size | 0.159 acres (6,940 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,932 (2026) |
| Deeds & Mortgages | Aug 2017 Mortgage Apr 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0110 B:0041 L:0000 |
| Primary APN | GLOU M:0110 B:0041 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,744 sqft Living Area |
| Gross Area | 3,860 sqft |
| 1st Floor Area | 1,117 sqft |
| Basement Area | 1,117 sqft |
| Unfinished Basement | 1,117 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,940 sqft (0.159 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 1 GARDNER TER |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-1710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Block | 41 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 221100 |
Source: Essex County and Gloucester City 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 Individual Names on Record |
|---|---|
| Mailing Address | 1 GARDNER TER, GLOUCESTER, MA 01930-1710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2017 | Deed of Trust, Mortgage CROSSCOUNTRY MORTGAGE INC |
| Apr 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Jul 26, 2019 | Deed of Trust, Mortgage · Line of Credit BANKGLOUCESTER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2008 |
| Deed Sale | Aug 28, 2008 |
| Prior Sale | Feb 28, 2006 · Amount on Record |
| Deed Book / Page | 28010 / 206 |
| Transfer Doc | 28010-206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 1 GARDNER TER, GLOUCESTER, MA 01930-1710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36122-321 |
|---|---|
| Date | Aug 23, 2017 |
| Book Page | 36122/321 |
| Instrument | 339 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 1 GARDNER TER, GLOUCESTER, MA 01930-1710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38465-51 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 38465/51 |
| Instrument | 20200429002230 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 1 GARDNER TER, GLOUCESTER, MA 01930-1710 |
| Document Number | 37712-431 |
| Instrument Date | Jul 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1 GARDNER TER GLOUCESTER MA 019301710, GLOUCESTER, MA 01930-1710 |
| Document Number | 37712-431 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 037712/000431 |
| Instrument | 1907311980 |
| Name | BANKGLOUCESTER |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Essex County and Gloucester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Gloucester City |
| Unified School District | Gloucester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,932.00 (-1.53%) | $637,200 (+2.81%) Land $176,500 Building $460,700 | $682,110 (-0.85%) |
| 2025 | $6,024.00 (-0.12%) | $619,800 (-) Land $163,500 Building $456,300 | |
| 2024 | $6,031.00 (+5.36%) | $619,800 (+14.67%) Land $155,700 Building $464,100 | $687,990 |
| 2023 | $5,724.00 | $540,500 Land $139,000 Building $401,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 36 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 39 units insured incl. 3 condo units |
| Nearby Flood Claims | 27 (1978–2024) |
| Claims Outside the SFHA | 3 of 27 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| 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 | GLOUCESTER PUBLIC UTILITY DIVISION serves 37,440 people · EPA ID MA3107000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
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