12R Concord St, Gloucester, MA 01930 Property Records

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

Property Summary

Property Type	Unusable Land (Remnant, Steep, Etc.)
Lot Size	0.65 acres (28,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Oct 2015)
Tax Bill	$223 (2026)
Deeds & Mortgages	Sep 2020 Refinance Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0229 B:0020 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0229 B:0020 L:0000`

Exterior

Lot Area	28,300 sqft (0.65 acres)

Location & Zoning

Street Address	12R CONCORD ST
City	GLOUCESTER
State	MA
Zip	01930-2338
Property Category	Other
Property Type	Other > Unusable Land (Remnant, Steep, Etc.)
Local Zoning Code	R-20
Legal Block	20
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	1
Census Block	1004
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 Individual Names on Record
Mailing Address	12 CONCORD ST, GLOUCESTER, MA 01930-2338
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK
Apr 10, 2019	Deed of Trust, Mortgage · Unknown CAPE ANN SAVINGS BANK
Mar 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Sep 8, 2020	Deed of Trust, Mortgage · Balloon Mortgage CAPE ANN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2015 · Amount on Record
Deed Sale	Oct 30, 2015 · Amount on Record
Deed Book / Page	34486 / 370
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12R CONCORD ST, GLOUCESTER, MA 01930-2338
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38912-279
Date	Sep 8, 2020
Book Page	38912/279
Instrument	20200908004790

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2040

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12R CONCORD ST, GLOUCESTER, MA 01930-2338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37432-341
Date	Apr 10, 2019
Book Page	37432/341
Instrument	20190410000990

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Unknown
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2039

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12R CONCORD ST, GLOUCESTER, MA 01930-2338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38311-492
Date	Mar 4, 2020
Book Page	38311/492
Instrument	20200304003790

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	12R CONCORD ST, GLOUCESTER, MA 01930-2338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38912-291
Date	Sep 8, 2020
Book Page	38912/291
Instrument	20200908004800

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2045

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	$223.00 (+15.54%)	$23,900 (+20.1%) Land $23,900
2025	$193.00 (+4.32%)	$19,900 (+4.74%) Land $19,900
2024	$185.00 (+2.78%)	$19,000 (+11.76%) Land $19,000	$581,305
2023	$180.00	$17,000 Land $17,000

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
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 21 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	24 units insured incl. 3 condo units
Nearby Flood Claims	42 (1978–2022)
Claims Outside the SFHA	2 of 42
Most Recent Claim	Dec 2022 · tidal / storm surge
Claims by Event	Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 2 claims Coastal Storm, Oct 1991 · 3 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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 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.

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 119 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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