Essex County and Gloucester City property record for 12 Spruce Rd, Gloucester, MA 01930
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 3.5 ba · 2,969 sqft · built 1998 |
| Lot Size | 0.61 acres (26,588 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $9,624 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0109A B:0044 L:0000 |
| Primary APN | GLOU M:0109A B:0044 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,969 sqft Living Area |
| Gross Area | 5,327 sqft |
| 1st Floor Area | 1,481 sqft |
| Basement Area | 1,440 sqft |
| Unfinished Basement | 565 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,588 sqft (0.61 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 12 SPRUCE RD |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-1735 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R-10 |
| Legal Block | 44 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 221100 |
Source: Essex County and Gloucester City records, as of October 20, 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 SPRUCE RD, GLOUCESTER, MA 01930-1735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Feb 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jun 25, 2019 | Quit Claim Deed, Transfer · FHA Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Oct 31, 2018 | Quit Claim Deed, Transfer CAPE ANN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 19, 2019 |
| Transfer Doc | 37612-468 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 12 SPRUCE RD, GLOUCESTER, MA 01930-1735 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 040578-325 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 40578/325 |
| Instrument | 20211215004030 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 12 SPRUCE RD, GLOUCESTER, MA 01930-1735 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39492-435 |
|---|---|
| Date | Feb 4, 2021 |
| Book Page | 39492/435 |
| Instrument | 20210204000520 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | Jun 25, 2019 |
| Property Address | 12 SPRUCE RD, GLOUCESTER, MA 01930-1735 |
| Document Number | 37612-468 |
| Book / Page | 37612 / 468 |
| Instrument Date | Jun 19, 2019 |
| Instrument | 20190625000860 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 SPRUCE RD, GLOUCESTER, MA 01930-1735 |
| Document Number | 37612-471 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 37612/471 |
| Instrument | 20190625000870 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | Oct 31, 2018 |
| Property Address | 12 SPRUCE RD, GLOUCESTER, MA 01930-1735 |
| Document Number | 37119-364 |
| Book / Page | 37119 / 364 |
| Instrument | 181031000850 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $50.30 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 37119-366 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 37119/366 |
| Instrument | 181031000860 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Oct 1, 2038 |
Source: Essex County and Gloucester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Gloucester City |
| Unified School District | Gloucester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,624.00 (+8.97%) | $1,033,700 (+13.77%) Land $238,500 Building $795,200 | $992,037 |
| 2025 | $8,832.00 (+12.83%) | $908,600 (+12.94%) Land $220,800 Building $687,800 | |
| 2024 | $7,828.00 (+23.51%) | $804,500 (+34.42%) Land $210,300 Building $594,200 | |
| 2023 | $6,338.00 | $598,500 Land $187,700 Building $410,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 36 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 39 units insured incl. 3 condo units |
| Nearby Flood Claims | 27 (1978–2024) |
| Claims Outside the SFHA | 3 of 27 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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.
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
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