Essex County and Gloucester City property record for 103 Centennial Ave, Gloucester, MA 01930
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,653 sqft · built 1900 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $405,000 (May 2018) |
| Tax Bill | $5,517 (2025) |
| Deeds & Mortgages | May 2020 Refinance May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0023 B:0040 L:0000 |
| Primary APN | GLOU M:0023 B:0040 L:0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,653 sqft Living Area |
| Gross Area | 2,865 sqft |
| 1st Floor Area | 804 sqft |
| Attic | Attic |
| Attic Area | 588 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,178 sqft (0.05 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 103 CENTENNIAL AVE |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-2546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Block | 40 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 221700 |
Source: Essex County and Gloucester City records · APN GLOU M:0023 B:0040 L:0000
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 103 CENTENNIAL AVE, GLOUCESTER, MA 01930-2546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| May 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| May 31, 2018 | Quit Claim Deed, Transfer BANGOR SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 31, 2018 · Amount on Record |
| Deed Sale | May 31, 2018 · Amount on Record |
| Prior Sale | Jun 10, 2016 · Amount on Record |
| Deed Book / Page | 36752 / 349 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 103 CENTENNIAL AVE, GLOUCESTER, MA 01930-2546 |
| Transaction Type | Mortgage |
| Record Updated | Mar 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38516-112 |
|---|---|
| Date | May 14, 2020 |
| Book Page | 38516/112 |
| Instrument | 20200514002700 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 01, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | May 31, 2018 |
| Property Address | 103 CENTENNIAL AVE, GLOUCESTER, MA 01930-2546 |
| Document Number | 36752-349 |
| Book / Page | 36752 / 349 |
| Instrument | 180531002940 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $43.41 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 103 CENTENNIAL AVE, GLOUCESTER, MA 01930-2546 |
| Document Number | 367520351 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 36752/0351 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | May 31, 2048 |
Source: Essex County and Gloucester City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Gloucester City |
| Unified School District | Gloucester School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,517.00 (+0.99%) | $567,600 (+1.09%) Land $129,800 Building $437,800 | |
| 2024 | $5,463.00 (+4.58%) | $561,500 (+13.83%) Land $123,700 Building $437,800 | $514,235 |
| 2023 | $5,224.00 | $493,300 Land $110,400 Building $382,900 |
Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 8 (2007–2018) |
| Most Recent Claim | Jan 2018 · tidal / storm surge |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 896 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GLOUCESTER PUBLIC UTILITY DIVISION serves 37,440 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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