10 OAK ST #3 GLOUCESTER MA 019302598, 3, GLOUCESTER, MA 01930-2598
Mortgage
Document Number
38166-460
Date
Jan 2, 2020
Book Page
038166/000460
Instrument
2000550
Lender
Name
STEARNS LNDG
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
180 Months
Due
Jan 1, 2035
July 2017: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
GLOUCESTER MA
Property Address
10 OAK ST APT 3, 3, GLOUCESTER, MA 01930-2598
Document Number
36068-374
Instrument Date
Jul 13, 2017
Transaction Type
Mortgage
Record Updated
Aug 23, 2018
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
36068-374
Date
Aug 1, 2017
Book Page
036068/000374
Instrument
1708010418
Lender
Name
BANK OF AMERICA
Type
Bank
Agreement
Type
Conventional with PMI
Amount
Amount on Record
Term
240 Months
Due
Jul 31, 2037
Tax Assessment & Valuation
The 2026 property tax bill for 10 Oak St, Apt 3 was $2,653, up 1.4% from the year before.
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
Assessed Market Value
2026
$2,653.00 (+1.41%)
$285,000 (+5.91%)Building $285,000
$292,400 (-7.99%)
2025
$2,616.00 (+13.49%)
$269,100 (+13.59%)Building $269,100
$317,775
2024
$2,305.00 (+4.2%)
$236,900 (+13.4%)Building $236,900
2023
$2,212.00
$208,900Building $208,900
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 10 Oak St, Apt 3 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 Claims
1 (2013)
Claims Outside the SFHA
1 of 1
Most Recent Claim
Feb 2013 · 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 10 Oak St, Apt 3 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
None beyond 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 720 locations within half a mile, as of December 31, 2025