114 Prospect St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 114 Prospect St, Gloucester, MA 01930 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,328 sqft · built 1900
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Last Sale	$725,000 (Mar 2025)
Tax Bill	$5,599 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0029 B:0001 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0029 B:0001 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,328 sqft Living Area
Gross Area	2,792 sqft
1st Floor Area	632 sqft
Attic	Attic
Attic Area	608 sqft
Basement Area	632 sqft
Unfinished Basement	632 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,800 sqft (0.11 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	114 PROSPECT ST
City	GLOUCESTER
State	MA
Zip	01930-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2018
Census Tract	221500

Owner

Source: Essex County and Gloucester City records · APN GLOU M:0029 B:0001 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	114 PROSPECT ST, GLOUCESTER, MA 01930-3712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE BANK OF NEW YORK MELLON
Dec 24, 2018	Deed of Trust, Mortgage · ARM TIAA CREF TRUST CO FSB
Oct 26, 2018	Quit Claim Deed, Transfer TIAA CREF T CO FSB

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 27, 2025 · Amount on Record
Deed Sale	Mar 27, 2025 · Amount on Record
Prior Sale	Oct 26, 2018 · Amount on Record
Deed Book / Page	42632 / 489
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	114 PROSPECT ST, GLOUCESTER, MA 01930-3712
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042683-233
Date	Apr 28, 2025
Book Page	42683/233
Instrument	20250428000620

Lender

Name	THE BANK OF NEW YORK MELLON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	May 01, 2032
Index	Other

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	114 PROSPECT ST, GLOUCESTER, MA 01930-3712
Transaction Type	Mortgage
Record Updated	Mar 04, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37239-500
Date	Dec 24, 2018
Book Page	37239/500
Instrument	20181224001860

Lender

Name	TIAA CREF TRUST CO FSB

Agreement

Type	ARM
Amount	Amount Recorded
Term	349 Months
Due	Jan 01, 2048

Interest

Rate Type	Adjustable Rate
Type Change Date	Nov 01, 2025

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Oct 26, 2018
Property Address	114 PROSPECT ST, GLOUCESTER, MA 01930-3712
Document Number	37110-52
Book / Page	37110 / 52
Instrument	181026007310
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$43.68
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	371100054
Date	Oct 26, 2018
Instrument	37110/0054

Lender

Name	TIAA CREF T CO FSB

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2048

Interest

Rate	4.25%
Max Rate At Change	10.1%
Max Rate	2.25%

Tax Assessment & Valuation

Source: Essex County and Gloucester City records · Assessment roll updated April 14, 2026 · Last verified July 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

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	$5,599.00 (+1.06%)	$576,000 (+1.16%) Land $136,700 Building $439,300	$684,095
2024	$5,540.00 (+4.57%)	$569,400 (+13.81%) Land $130,100 Building $439,300
2023	$5,298.00	$500,300 Land $116,200 Building $384,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092215002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 33 individual NFIP policies nearby
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	42 units insured 9 under condo master policies
Nearby Flood Claims	13 (1987–2020)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Aug 2020, rainfall accumulation
Claims By Storm	Coastal Storm, Oct 1991 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 720 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures