1 Sayward St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 1 Sayward St, Gloucester, MA 01930

Property Summary

Property Type	Triplex
Details	5 bd · 3.5 ba · 3,624 sqft · built 1900
Lot Size	0.089 acres (3,858 sqft)
Owner	Individual Name on Record
Last Sale	$815,000 (Sep 2022)
Tax Bill	$8,023 (2026)
Deeds & Mortgages	May 2025 Line of Credit Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0055 B:0041 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0055 B:0041 L:0000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Units	3 Units
Stories	2 Stories
Building Area	3,624 sqft Living Area
Gross Area	5,107 sqft
1st Floor Area	1,400 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,858 sqft (0.089 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	1 SAYWARD ST
City	GLOUCESTER
State	MA
Zip	01930-3992
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R-10
Legal Block	41
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3043
Census Tract	221300

Owner

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	Individual Name on Record
Mailing Address	1 SAYWARD ST, GLOUCESTER, MA 01930-3992
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2025	Deed of Trust, Mortgage · Line of Credit HARVARD FEDERAL CREDIT UNION
Sep 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Deed Book / Page	41223 / 24
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	1 SAYWARD ST, GLOUCESTER, MA 01930-3992
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042744-141
Date	May 30, 2025
Book Page	42744/141
Instrument	20250530000230

Lender

Name	HARVARD FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2050

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Sep 30, 2022
Property Address	1 SAYWARD ST, GLOUCESTER, MA 01930-3992
Document Number	0041223-24
Book / Page	41223 / 24
Instrument Date	Sep 30, 2022
Instrument	20220930003710
Transaction Type	Transfer
Record Updated	Apr 14, 2026

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
Address	1 SAYWARD ST, GLOUCESTER, MA 01930-3992

Mortgage

Document Number	0000000372
Date	Sep 30, 2022
Instrument	372

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Essex County and Gloucester City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Gloucester City
Unified School District	Gloucester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$8,023.00 (+0.91%)	$861,800 (+5.35%) Land $152,200 Building $709,600
2025	$7,951.00 (+7.47%)	$818,000 (+7.59%) Land $140,900 Building $677,100
2024	$7,398.00 (-3.93%)	$760,300 (+4.55%) Land $134,200 Building $626,100
2023	$7,701.00	$727,200 Land $119,800 Building $607,400

Assessed value is set for property tax purposes and is not a market price estimate.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 76 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	115 units insured incl. 39 condo units
Nearby Flood Claims	24 (1978–2024)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 7 claims Coastal Storm, Oct 1991 · 6 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	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 555 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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