Essex County and Gloucester City property record for 109 Main St, Gloucester, MA 01930
| Property Type | Bank, Financial Building |
|---|---|
| Details | 1 bd · 2 ba · 22,468 sqft · built 1860 |
| Lot Size | 0.224 acres (9,758 sqft) |
| Owner | Company Name on File |
| Last Sale | $50,000 (Sep 1997) |
| Tax Bill | $41,985 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0007 B:0047 L:0000 |
| Primary APN | GLOU M:0007 B:0047 L:0000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 22,468 sqft Total Area |
| Gross Area | 26,603 sqft |
| 1st Floor Area | 8,391 sqft |
| Basement Area | 2,928 sqft |
| Unfinished Basement | 2,928 sqft |
| Elevator | Elevator |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 9,758 sqft (0.224 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 109 MAIN ST |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-5701 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Local Zoning Code | CB |
| Legal Block | 47 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 221500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Central Gloucester Historic District listed 1982 · 182 contributing resources · NRIS 82001881 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
109 Main St, a commercial property, is owned by a company that bought it in September 1997.
Source: Essex County and Gloucester City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 109 MAIN ST, GLOUCESTER, MA 01930-5701 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 1997 · Amount on File |
| Deed Sale | Sep 9, 1997 · Amount on File |
| Deed Book / Page | 14309 / 8 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 109 Main St was $41,985, up 1.1% 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 | $41,985.00 (+1.12%) | $4,368,900 (+5.64%) Land $471,400 Building $3,897,500 |
| 2025 | $41,522.00 (+0.41%) | $4,135,700 (+0.51%) Land $436,600 Building $3,699,100 |
| 2024 | $41,354.00 (-6.16%) | $4,114,800 (+2.15%) Land $415,700 Building $3,699,100 |
| 2023 | $44,067.00 | $4,028,100 Land $371,200 Building $3,656,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 109 Main St in Zone X, an area of minimal flood risk, within 100 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 100 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 109 Main St is low, with less than 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 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 208 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 |
May also be available: T-Mobile.
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