11 Bray St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 11 Bray St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,231 sqft · built 1956
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (May 2024)
Tax Bill	$5,180 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0236 B:0054 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0236 B:0054 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,231 sqft Living Area
Gross Area	2,190 sqft
1st Floor Area	1,231 sqft
Basement Area	463 sqft
Unfinished Basement	463 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	11 BRAY ST
City	GLOUCESTER
State	MA
Zip	01930-1532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Block	54
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2004
Census Tract	221902

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	11 BRAY ST, GLOUCESTER, MA 01930-1532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK
Nov 14, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 15, 2024 · Amount on Record
Deed Sale	May 15, 2024 · Amount on Record
Prior Sale	Oct 1, 1976 · Amount on Record
Deed Document Number	20244320
Deed Book / Page	42118 / 397
Last Transfer Date	Nov 13, 2025
Transfer Doc	043071-527
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Recording Date	Apr 7, 2026
Property Address	11 BRAY ST, GLOUCESTER, MA 01930-1532
Document Number	043316-350
Book / Page	43316 / 350
Instrument Date	Apr 2, 2026
Instrument	20261490
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 BRAY ST, GLOUCESTER, MA 01930-1532

Mortgage

Document Number	0000001490,
Date	Apr 7, 2026
Book Page	43316/350
Instrument	20261490

Lender

Name	CAPE ANN SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate	6%
Max Rate	-1%

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Nov 14, 2025
Property Address	11 BRAY ST, GLOUCESTER, MA 01930-1532
Document Number	043071-527
Book / Page	43071 / 527
Instrument Date	Nov 13, 2025
Instrument	20251114004630
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 BRAY ST, GLOUCESTER, MA 01930-1532

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	Assessed Market Value
2025	$5,180.00 (+3.02%)	$532,900 (+3.12%) Land $240,600 Building $292,300	$436,715
2024	$5,028.00 (-0.06%)	$516,800 (+8.78%) Land $229,100 Building $287,700
2023	$5,031.00	$475,100 Land $204,500 Building $270,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	13 (1978–2007)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Feb 2007 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, May 2006 · 3 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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