12 Lloyd St, Gloucester, MA 01930 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 1,664 sqft · built 1972
Lot Size	0.178 acres (7,755 sqft)
Owner	2 Individual Names on Record
Last Sale	$193,750 (Oct 2001)
Tax Bill	$6,059 (2025)
Deeds & Mortgages	Feb 2021 Refinance Mar 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`GLOU M:0005 B:0059 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0005 B:0059 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	1 Story
Building Area	1,664 sqft Living Area
Gross Area	3,782 sqft
1st Floor Area	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,755 sqft (0.178 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	12 LLOYD ST
City	GLOUCESTER
State	MA
Zip	01930-3640
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-5
Legal Block	59
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	1
Census Block	1005
Census Tract	221700

Owner

Source: Essex County and Gloucester City records, 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 Record
Mailing Address	12 LLOYD ST, GLOUCESTER, MA 01930-3640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Mar 21, 2018	Deed of Trust, Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2001 · Amount on Record
Deed Sale	Oct 24, 2001 · Amount on Record
Deed Book / Page	17796 / 56
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12 LLOYD ST, GLOUCESTER, MA 01930-3640
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39570-260
Date	Feb 24, 2021
Book Page	39570/260
Instrument	20210224005750

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12 LLOYD ST, GLOUCESTER, MA 01930-3640
Document Number	36596-208
Instrument Date	Mar 21, 2018
Transaction Type	Mortgage
Record Updated	Apr 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$6,059.00 (+1.88%)	$623,400 (+2%) Land $169,100 Building $454,300
2024	$5,947.00 (-3.08%)	$611,200 (+5.49%) Land $161,000 Building $450,200
2023	$6,136.00	$579,400 Land $143,700 Building $435,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 19 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	31 units insured incl. 12 condo units
Nearby Flood Claims	5 (2006–2024)
Most Recent Claim	Apr 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 3 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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