115 Bray St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 115 Bray St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 1996
Lot Size	0.938 acres (40,844 sqft)
Owner	Individual Name on Record
Last Sale	$850,000 (Jun 2023)
Tax Bill	$7,938 (2025)
Deeds & Mortgages	Jun 2023 Sale Mar 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0241 B:0023 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0241 B:0023 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,840 sqft Living Area
Gross Area	3,611 sqft
1st Floor Area	1,064 sqft
Basement Area	392 sqft
Unfinished Basement	392 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,844 sqft (0.938 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	115 BRAY ST
City	GLOUCESTER
State	MA
Zip	01930-1553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Subdivision	DONALD & GRACE MURDOCK
Legal Block	23
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3030
Census Tract	221902

Owner

Source: Essex County and Gloucester City records, as of July 20, 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 Record
Mailing Address	115 BRAY ST, GLOUCESTER, MA 01930-1553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Quit Claim Deed, Transfer
Mar 30, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Dec 22, 2020	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Jun 6, 2018	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Dec 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2023 · Amount on Record
Deed Sale	Jun 14, 2023 · Amount on Record
Prior Sale	Jan 20, 2012
Deed Document Number	20232480
Deed Book / Page	41612 / 360
Record Updated	Sep 20, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jun 14, 2023
Property Address	115 BRAY ST, GLOUCESTER, MA 01930-1553
Document Number	041612-360
Book / Page	41612 / 360
Instrument Date	Jun 14, 2023
Instrument	20230614002480
Transaction Type	Transfer
Record Updated	Jul 3, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BRAY ST, GLOUCESTER, MA 01930-1553

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	115 BRAY ST, GLOUCESTER, MA 01930-1553
Transaction Type	Mortgage
Record Updated	Apr 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041496-159
Date	Mar 30, 2023
Book Page	41496/159
Instrument	20230330000060

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	115 BRAY ST, GLOUCESTER, MA 01930-1553
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39329-363
Date	Dec 22, 2020
Book Page	39329/363
Instrument	20201222004220

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	115 BRAY ST, GLOUCESTER, MA 01930-1553
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36767-575
Date	Jun 6, 2018
Book Page	36767/575
Instrument	180606001760

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	115 BRAY ST, GLOUCESTER, MA 01930-1553
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39329-351
Date	Dec 22, 2020
Book Page	39329/351
Instrument	20201222004210

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$7,938.00 (+16.39%)	$816,700 (+16.52%) Land $227,800 Building $588,900
2024	$6,820.00 (+4.47%)	$700,900 (+13.71%) Land $217,000 Building $483,900	$870,295
2023	$6,528.00	$616,400 Land $193,600 Building $422,800

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
Flood Insurance Cost	Premium on Record median of 51 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2005

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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