Essex County and Gloucester City property record for 15 Gardner Ter, Gloucester, MA 01930
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,920 sqft · built 1991 |
| Lot Size | 0.205 acres (8,915 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (Oct 2016) |
| Tax Bill | $6,166 (2025) |
| Deeds & Mortgages | Aug 2024 Refinance Oct 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0110 B:0044 L:0000 |
| Primary APN | GLOU M:0110 B:0044 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,920 sqft Living Area |
| Gross Area | 4,248 sqft |
| 1st Floor Area | 1,280 sqft |
| Basement Area | 1,280 sqft |
| Unfinished Basement | 1,280 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,915 sqft (0.205 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 15 GARDNER TER |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-1710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| 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 July 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 | 15 GARDNER TER, GLOUCESTER, MA 01930-1710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC |
| Oct 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| Oct 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| Nov 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ALLIED MORTGAGE & SERVICES |
| Mar 6, 2019 | Deed of Trust, Mortgage · Line of Credit BANKGLOUCESTER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2016 · Amount on Record |
| Deed Sale | Oct 4, 2016 · Amount on Record |
| Deed Book / Page | 35324 / 411 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 15 GARDNER TER, GLOUCESTER, MA 01930-1710 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042278-215 |
|---|---|
| Date | Aug 19, 2024 |
| Book Page | 42278/215 |
| Instrument | 20240819000370 |
| Name | THIRD FEDERAL SAVING & LOAN ASSOC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 15 GARDNER TER, GLOUCESTER, MA 01930-1710 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040391-108 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 40391/108 |
| Instrument | 20211019000310 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 15 GARDNER TER, GLOUCESTER, MA 01930-1710 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 40391-108 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 40391/108 |
| Instrument | 20211019000310 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 15 GARDNER TER, GLOUCESTER, MA 01930-1710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38065-309 |
|---|---|
| Date | Nov 26, 2019 |
| Book Page | 38065/309 |
| Instrument | 20191126006760 |
| Name | ALLIED MORTGAGE & SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 15 GARDNER TER, GLOUCESTER, MA 01930-1710 |
| Document Number | 37374-105 |
| Instrument Date | Mar 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 15 GARDNER TER GLOUCESTER MA 019301710, GLOUCESTER, MA 01930-1710 |
| Document Number | 37374-105 |
|---|---|
| Date | Mar 11, 2019 |
| Book Page | 037374/000105 |
| Instrument | 1903112350 |
| Name | BANKGLOUCESTER |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2025 | $6,166.00 (-0.96%) | $634,400 (-0.86%) Land $176,900 Building $457,500 | |
| 2024 | $6,226.00 (+3.25%) | $639,900 (+12.38%) Land $168,500 Building $471,400 | $732,260 |
| 2023 | $6,030.00 | $569,400 Land $150,400 Building $419,000 |
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 327 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures