Essex County and Gloucester City property record for 15 Prospect Sq, Gloucester, MA 01930
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,092 sqft · built 1900 |
| Lot Size | 0.062 acres (2,680 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Sep 2004) |
| Tax Bill | $4,769 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit Aug 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0013 B:0073 L:0000 |
| Primary APN | GLOU M:0013 B:0073 L:0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,092 sqft Living Area |
| Gross Area | 2,834 sqft |
| 1st Floor Area | 741 sqft |
| Basement Area | 484 sqft |
| Unfinished Basement | 484 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,680 sqft (0.062 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 15 PROSPECT SQ |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-3734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CB |
| Legal Block | 73 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 221500 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 15 PROSPECT SQ, GLOUCESTER, MA 01930-3734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2026 | Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK |
| Aug 3, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Jan 12, 2021 | Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2004 · Amount on Record |
| Deed Sale | Sep 10, 2004 · Amount on Record |
| Prior Sale | Jan 11, 1999 · Amount on Record |
| Deed Book / Page | 23368 / 378 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | Apr 14, 2026 |
| Property Address | 15 PROSPECT SQ, GLOUCESTER, MA 01930-3734 |
| Document Number | 043327-297 |
| Book / Page | 43327 / 297 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 2026580 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 15 PROSPECT SQ, GLOUCESTER, MA 01930-3734 |
| Document Number | 0000000580, |
|---|---|
| Date | Apr 14, 2026 |
| Book Page | 43327/297 |
| Instrument | 2026580 |
| Name | CAPE ANN SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2051 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 15 PROSPECT SQ, GLOUCESTER, MA 01930-3734 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38779-491 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 38779/491 |
| Instrument | 20200803002380 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 15 PROSPECT SQ, GLOUCESTER, MA 01930-3734 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39401-197 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 39401/197 |
| Instrument | 20210112001020 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 1, 2046 |
| 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 |
|---|---|---|---|
| 2026 | $4,769.00 (+3.85%) | $512,200 (+8.43%) Land $151,300 Building $360,900 | $565,758 (-0.84%) |
| 2025 | $4,592.00 (+1.35%) | $472,400 (+1.44%) Land $140,100 Building $332,300 | |
| 2024 | $4,531.00 (+4.55%) | $465,700 (+13.78%) Land $133,400 Building $332,300 | $570,570 |
| 2023 | $4,334.00 | $409,300 Land $119,100 Building $290,200 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 33 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 42 units insured incl. 9 condo units |
| Nearby Flood Claims | 13 (1987–2020) |
| Claims Outside the SFHA | 4 of 13 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
| 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 | None beyond ember reach |
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 720 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 |
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