12 Bray St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 12 Bray St, Gloucester, MA 01930

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 3,156 sqft · built 1990
Lot Size	4.84 acres (210,830 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Dec 2009)
Tax Bill	$8,588 (2025)
Deeds & Mortgages	Feb 2021 Refinance May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0240 B:0078 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0240 B:0078 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Units	2 Units
Stories	2 Stories
Building Area	3,156 sqft Living Area
Gross Area	6,778 sqft
1st Floor Area	1,716 sqft
Attic	Attic
Attic Area	1,056 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	210,830 sqft (4.84 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	12 BRAY ST
City	GLOUCESTER
State	MA
Zip	01930-1502
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-40
Legal Subdivision	LAND GLOUCESTER
Legal Block	78
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2000
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	12 BRAY ST, GLOUCESTER, MA 01930-1502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROSS MORTGAGE COMPANY INC
May 30, 2019	Deed of Trust, Mortgage · Line of Credit ALIGN CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 29, 2009 · Amount on Record
Deed Sale	Dec 29, 2009 · Amount on Record
Prior Sale	Feb 23, 1999 · Amount on Record
Deed Book / Page	29178 / 1
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12 BRAY ST, GLOUCESTER, MA 01930-1502
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39533-244
Date	Feb 16, 2021
Book Page	39533/244
Instrument	20210216004280

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12 BRAY ST, GLOUCESTER, MA 01930-1502
Document Number	37569-476
Instrument Date	May 30, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 BRAY ST GLOUCESTER MA 019301502, GLOUCESTER, MA 01930-1502

Mortgage

Document Number	37569-476
Date	Jun 7, 2019
Book Page	037569/000476
Instrument	7001740

Lender

Name	ALIGN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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
2025	$8,588.00 (-0.09%)	$883,500 (-) Land $317,000 Building $566,500
2024	$8,596.00 (-5.54%)	$883,500 (+2.82%) Land $301,900 Building $581,600
2023	$9,100.00	$859,300 Land $269,600 Building $589,700

Assessed value is set for property tax purposes and is not a market price estimate.

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 at the parcel

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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