Essex County and Gloucester City property record for 103 Prospect St, Gloucester, MA 01930
| Property Type | Triplex |
|---|---|
| Details | 3 bd · 3 ba · 2,176 sqft · built 1920 |
| Lot Size | 0.081 acres (3,525 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $340,000 (Dec 2013) |
| Tax Bill | $6,169 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage Mar 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0013 B:0077 L:0000 |
| Primary APN | GLOU M:0013 B:0077 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 2,176 sqft Living Area |
| Gross Area | 3,875 sqft |
| 1st Floor Area | 899 sqft |
| Basement Area | 851 sqft |
| Unfinished Basement | 851 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,525 sqft (0.081 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 103 PROSPECT ST |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-3738 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | R-5 |
| Legal Block | 77 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 221500 |
103 Prospect St, a triplex, is held in a trust since March 2022.
Source: Essex County and Gloucester City records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 35 BRIERWOOD ST, GLOUCESTER, MA 01930-1207 |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 21, 2022 | Deed of Trust, Mortgage · Commercial Mortgage CAPE ANN SAVINGS BANK |
| Mar 29, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2013 · Amount on File |
| Deed Sale | Dec 6, 2013 · Amount on File |
| Deed Book / Page | 33000 / 180 |
| Last Transfer Date | Mar 22, 2022 |
| Transfer Doc | 040821-474 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 103 PROSPECT ST, GLOUCESTER, MA 01930-3738 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040881-368 |
|---|---|
| Date | Apr 21, 2022 |
| Book Page | 40881/368 |
| Instrument | 20220421004180 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | Mar 29, 2022 |
| Property Address | 103 PROSPECT ST, GLOUCESTER, MA 01930-3738 |
| Document Number | 040821-474 |
| Book / Page | 40821 / 474 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 20220329000350 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 35 BRIERWOOD ST, GLOUCESTER, MA 01930-1207 |
The 2026 property tax bill for 103 Prospect St was $6,169, up 3.3% from the year before.
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 |
|---|---|---|
| 2026 | $6,169.00 (+3.28%) | $662,600 (+7.83%) Land $137,400 Building $525,200 |
| 2025 | $5,973.00 (+7.31%) | $614,500 (+7.43%) Land $127,200 Building $487,300 |
| 2024 | $5,566.00 (-3.89%) | $572,000 (+4.61%) Land $121,100 Building $450,900 |
| 2023 | $5,791.00 | $546,800 Land $108,100 Building $438,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 103 Prospect 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 33 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 42 units insured incl. 9 condo units |
| Nearby Flood Claims | 13 (1987–2020) |
| Claims Outside the SFHA | 4 of 13 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
| 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.
Wildfire risk around 103 Prospect 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 | None beyond ember reach |
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 720 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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