15 Horton St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 15 Horton St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,273 sqft · built 2022
Lot Size	0.07 acres (3,040 sqft)
Owner	2 Individual Names on File
Last Sale	$1,500,000 (Aug 2018)
Tax Bill	$21,596 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2017 Line of Credit + 2 more
Flood Zone	Zone VE (high risk)
APN	`GLOU M:0128 B:0023 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0128 B:0023 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,273 sqft Living Area
Gross Area	2,732 sqft
1st Floor Area	714 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Contemporary
Exterior Material	Combination
Roof Type	Shed Roof
Roof Material	Tar & Gravel
Lot Area	3,040 sqft (0.07 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	15 HORTON ST
City	GLOUCESTER
State	MA
Zip	01930-4108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Subdivision	ROCKY NECK
Legal Block	23
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2000
Census Tract	221300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Rocky Neck Historic District (Additional Documentation) listed 2017 · 217 contributing resources · NRIS 100001502

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

15 Horton St is owned and occupied by two individuals who acquired it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	15 HORTON ST, GLOUCESTER, MA 01930-4108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · ARM UNIBANK FOR SAVINGS
Apr 12, 2017	Deed of Trust, Mortgage · Line of Credit SAGE BANK
Oct 16, 2018	Deed of Trust, Mortgage · ARM UNIBANK FOR SAVINGS
Aug 28, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2018 · Amount on File
Deed Sale	Aug 28, 2018 · Amount on File
Prior Sale	Nov 2, 2007 · Amount on File
Deed Document Number	201828001770
Deed Book / Page	36968 / 498
Last Transfer Date	May 19, 2025
Transfer Doc	042723-347
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	15 HORTON ST, GLOUCESTER, MA 01930-4108
Transaction Type	Mortgage
Record Updated	Jan 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040485-177
Date	Nov 15, 2021
Book Page	40485/177
Instrument	20211115005820

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Dec 1, 2026
Index	1-Year CMT

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	15 HORTON ST, GLOUCESTER, MA 01930-4108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35792-127
Date	Apr 12, 2017
Book Page	35792/127
Instrument	200

Lender

Name	SAGE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	15 HORTON ST, GLOUCESTER, MA 01930-4108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37083-428
Date	Oct 16, 2018
Book Page	37083/428
Instrument	181016002340

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.38%

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Aug 28, 2018
Property Address	15 HORTON ST, GLOUCESTER, MA 01930-4108
Document Number	36968-498
Book / Page	036968 / 000498
Instrument Date	Aug 28, 2018
Instrument	1808281770
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Amount	Amount on Record
Tax	$6,840.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	538 WARD ST NEWTON MA 024591136, NEWTON, MA 02459-1136

Tax Assessment & Valuation

The 2026 property tax bill for 15 Horton St was $21,596, up 25.4% from the year before.

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	$21,596.00 (+25.39%)	$2,319,700 (+30.92%) Land $1,468,800 Building $850,900	$2,097,288 (-3.17%)
2025	$17,223.00 (+26.76%)	$1,771,900 (+26.89%) Land $1,224,200 Building $547,700	$2,166,000
2024	$13,587.00 (+29.01%)	$1,396,400 (+40.41%) Land $1,165,700 Building $230,700
2023	$10,532.00	$994,500 Land $994,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Horton St in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	22.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 75 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	123 units insured incl. 48 condo units
Nearby Flood Claims	94 (1978–2024)
Claims Outside the SFHA	15 of 94
Most Recent Claim	Feb 2024 · tidal / storm surge
Claims by Event	Winter Coastal Storm, Dec 1992 · 7 claims Coastal Storm, Oct 1991 · 25 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 9 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

Wildfire risk around 15 Horton St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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