144 Bray St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 144 Bray St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,019 sqft · built 2000
Lot Size	3.13 acres (136,343 sqft)
Owner	2 Company Names on Record
Last Sale	$770,000 (Jan 2013)
Tax Bill	$11,896 (2026)
Deeds & Mortgages	Jun 2026 Transfer Feb 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0247 B:0043 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0247 B:0043 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,019 sqft Living Area
Gross Area	7,602 sqft
1st Floor Area	1,750 sqft
Basement Area	1,580 sqft
Unfinished Basement	1,580 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	136,343 sqft (3.13 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Oil

Location & Zoning

Street Address	144 BRAY ST
City	GLOUCESTER
State	MA
Zip	01930-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Block	43
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3017
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 Company Names on Record
Mailing Address	144 BRAY ST, GLOUCESTER, MA 01930-1523
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Quit Claim Deed, Transfer Quitclaim
Feb 23, 2026	Deed of Trust, Mortgage NEEDHAM BANK
Sep 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Aug 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2013 · Amount on Record
Deed Sale	Jan 14, 2013 · Amount on Record
Deed Document Number	2013
Deed Book / Page	32114 / 414
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jun 25, 2026
Property Address	144 BRAY ST, GLOUCESTER, MA 01930-1523
Document Number	0000003160
Book / Page	43466 / 249
Instrument Date	Jun 24, 2026
Instrument	20263160
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 BRAY ST, GLOUCESTER, MA 01930-1523

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	144 BRAY ST, GLOUCESTER, MA 01930-1523
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043237-276
Date	Feb 23, 2026
Book Page	43237/276
Instrument	20260223000470

Lender

Name	NEEDHAM BANK

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	144 BRAY ST, GLOUCESTER, MA 01930-1523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37853-313
Date	Sep 18, 2019
Book Page	37853/313
Instrument	20190918003150

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	277 Months
Due	Oct 1, 2042

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	144 BRAY ST, GLOUCESTER, MA 01930-1523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38855-163
Date	Aug 24, 2020
Book Page	38855/163
Instrument	20200824004290

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

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

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	$11,896.00 (-1.91%)	$1,277,800 (+2.41%) Land $296,200 Building $981,600	$1,654,861 (+18.91%)
2025	$12,128.00 (-3.22%)	$1,247,700 (-3.12%) Land $274,300 Building $973,400	$1,391,655
2024	$12,531.00 (+3.25%)	$1,287,900 (+12.38%) Land $261,300 Building $1,026,600
2023	$12,136.00	$1,146,000 Land $233,300 Building $912,700

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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