12 Castle Hill Rd, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 12 Castle Hill Rd, Gloucester, MA 01930

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 1,955 sqft · built 1977
Lot Size	0.585 acres (25,466 sqft)
Owner	2 Individual Names on File
Last Sale	$518,000 (Dec 2014)
Tax Bill	$9,408 (2026)
Deeds & Mortgages	Jan 2022 Refinance Jan 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0191 B:0010 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0191 B:0010 L:0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Units	2 Units
Stories	1 Story
Building Area	1,955 sqft Living Area
Gross Area	4,434 sqft
1st Floor Area	1,955 sqft
Basement Area	1,955 sqft
Unfinished Basement	1,955 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,466 sqft (0.585 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	12 CASTLE HILL RD
City	GLOUCESTER
State	MA
Zip	01930-5202
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-20
Legal Block	10
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3015
Census Tract	221901

Owner

12 Castle Hill Rd, a duplex, is owned and occupied by two individuals who bought it in December 2014.

Source: Essex County and Gloucester City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 CASTLE HILL RD, GLOUCESTER, MA 01930-5202
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jan 29, 2024	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jul 31, 2017	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Sep 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2014 · Amount on File
Deed Sale	Dec 15, 2014 · Amount on File
Prior Sale	Mar 24, 2003 · Amount on File
Deed Book / Page	33738 / 207
Transfer Doc	033738-207
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12 CASTLE HILL RD, GLOUCESTER, MA 01930-5202
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040664-562
Date	Jan 19, 2022
Book Page	40664/562
Instrument	20220119000460

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12 CASTLE HILL RD, GLOUCESTER, MA 01930-5202
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041965-127
Date	Jan 29, 2024
Book Page	41965/127
Instrument	20240129001640

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12 CASTLE HILL RD, GLOUCESTER, MA 01930-5202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36065-176
Date	Jul 31, 2017
Book Page	36065/176
Instrument	804

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2037

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12 CASTLE HILL RD, GLOUCESTER, MA 01930-5202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39002-238
Date	Sep 30, 2020
Book Page	39002/238
Instrument	20200930006270

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 12 Castle Hill Rd was $9,408, up 8.2% from the year before.

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
2026	$9,408.00 (+8.19%)	$1,010,500 (+12.94%) Land $316,400 Building $694,100	$883,129
2025	$8,696.00 (+2.09%)	$894,700 (+2.2%) Land $293,000 Building $601,700
2024	$8,518.00 (-2.73%)	$875,400 (+5.87%) Land $279,000 Building $596,400
2023	$8,757.00	$826,900 Land $249,000 Building $577,900

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

Flood

FEMA maps place 12 Castle Hill Rd in Zone X, an area of minimal flood risk, within 500 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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	5 (2018–2024)
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 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

Wildfire risk around 12 Castle Hill Rd is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% 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 69 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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