121 Concord St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 121 Concord St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,462 sqft · built 1994
Lot Size	0.281 acres (12,232 sqft)
Owner	2 Trust Names on Record
Tax Bill	$8,590 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Jan 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0242 B:0154 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0242 B:0154 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,462 sqft Living Area
Gross Area	5,807 sqft
1st Floor Area	1,391 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,232 sqft (0.281 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	121 CONCORD ST
City	GLOUCESTER
State	MA
Zip	01930-1652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Block	154
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3037
Census Tract	221902

Owner

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 Trust Names on Record
Mailing Address	121 CONCORD ST, GLOUCESTER, MA 01930-1652
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2017	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA
Jan 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 23, 2020
Transfer Doc	38220-84
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	121 CONCORD ST, GLOUCESTER, MA 01930-1652
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36176-323
Date	Sep 15, 2017
Book Page	36176/323
Instrument	1

Lender

Name	SANTANDER BANK NA

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jan 28, 2020
Property Address	121 CONCORD ST, GLOUCESTER, MA 01930-1652
Document Number	38220-84
Book / Page	038220 / 000084
Instrument Date	Jan 23, 2020
Instrument	28001180
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	121 CONCORD ST GLOUCESTER MA 019301652, GLOUCESTER, MA 01930-1652

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
2026	$8,590.00 (-1.67%)	$922,700 (+2.66%) Land $206,900 Building $715,800	$1,264,294 (+57.98%)
2025	$8,736.00 (-1.46%)	$898,800 (-1.35%) Land $191,600 Building $707,200
2024	$8,865.00 (+2.24%)	$911,100 (+11.27%) Land $182,400 Building $728,700	$800,280
2023	$8,671.00	$818,800 Land $162,900 Building $655,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.01% 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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