122 Bray St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 122 Bray St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,600 sqft · built 2022
Lot Size	3.21 acres (139,828 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Aug 2023)
Tax Bill	$10,308 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`107009`

Property Details

APN / Parcel Number

Primary APN	`107009`
Alternative APN	`GLOU M:0248 B:0025 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,600 sqft Living Area
Gross Area	4,032 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	139,828 sqft (3.21 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	107009
Street Address	122 BRAY ST
City	GLOUCESTER
State	MA
Zip	01930-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Block	25
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3031
Census Tract	221902

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	122 BRAY ST, GLOUCESTER, MA 01930-1523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE ANN SAVINGS BANK
Nov 15, 2019	Deed of Trust, Mortgage · Commercial Mortgage CAPE ANN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2023 · Amount on Record
Deed Sale	Aug 8, 2023 · Amount on Record
Prior Sale	Aug 24, 2016 · Amount on Record
Deed Document Number	2023160
Deed Book / Page	41702 / 140
Prior Transfer Date	Aug 7, 2023
Prior Transfer Doc	041702-140
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Aug 8, 2023
Property Address	122 BRAY ST, GLOUCESTER, MA 01930-1523
Document Number	041702-140
Book / Page	41702 / 140
Instrument Date	Aug 7, 2023
Instrument	20230808000160
Transaction Type	Transfer
Record Updated	Jan 25, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	122 BRAY ST, GLOUCESTER, MA 01930-1523

Mortgage

Document Number	230808000170
Date	Aug 8, 2023
Instrument	230808000170

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Sep 1, 2030
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	122 BRAY ST, GLOUCESTER, MA 01930-1523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38031-46
Date	Nov 15, 2019
Book Page	38031/46
Instrument	20191115004020

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$10,308.00 (+3.06%)	$1,107,200 (+7.6%) Land $302,000 Building $805,200	$1,260,492 (+89.33%)
2025	$10,002.00 (+34.89%)	$1,029,000 (+35.02%) Land $279,700 Building $749,300
2024	$7,415.00 (+194.48%)	$762,100 (+220.48%) Land $266,400 Building $495,700	$665,760
2023	$2,518.00	$237,800 Land $237,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 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

Nearby Properties on Bray St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures