188 Atlantic St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 188 Atlantic St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,242 sqft · built 1973
Lot Size	0.268 acres (11,672 sqft)
Owner	2 Individual Names on Record
Last Sale	$970,000 (Jan 2026)
Tax Bill	$6,555 (2026)
Deeds & Mortgages	Jan 2026 Sale Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0254 B:0029 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0254 B:0029 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,242 sqft Living Area
Gross Area	3,112 sqft
1st Floor Area	1,242 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,672 sqft (0.268 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	188 ATLANTIC ST
City	GLOUCESTER
State	MA
Zip	01930-1633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Block	29
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3008
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	188 ATLANTIC ST, GLOUCESTER, MA 01930-1633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Quit Claim Deed, Transfer
Oct 21, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance EVERETT COOPERATIVE BANK
Mar 29, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EAST CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on Record
Deed Sale	Jan 20, 2026 · Amount on Record
Prior Sale	Mar 29, 2019 · Amount on Record
Deed Book / Page	43186 / 412
Prior Transfer Date	Jan 14, 2026
Prior Transfer Doc	043186-412
Record Updated	Oct 29, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jan 20, 2026
Property Address	188 ATLANTIC ST, GLOUCESTER, MA 01930-1633
Document Number	043186-412
Book / Page	43186 / 412
Instrument Date	Jan 14, 2026
Instrument	20260120002230
Transaction Type	Transfer
Record Updated	Feb 11, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	188 ATLANTIC ST, GLOUCESTER, MA 01930-1633
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37949-224
Date	Oct 21, 2019
Book Page	37949/224
Instrument	20191021001200

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Mar 29, 2019
Property Address	188 ATLANTIC ST, GLOUCESTER, MA 01930-1633
Document Number	37413-302
Book / Page	37413 / 302
Instrument Date	Feb 22, 2019
Instrument	20190329005900
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 ATLANTIC ST, GLOUCESTER, MA 01930-1633

Mortgage

Document Number	190329005910
Date	Mar 29, 2019
Instrument	190329005910

Lender

Name	EAST CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$6,555.00 (-0.61%)	$704,100 (+3.77%) Land $272,500 Building $431,600	$910,250 (-18.58%)
2025	$6,595.00 (-2.17%)	$678,500 (-2.06%) Land $252,300 Building $426,200	$1,117,960
2024	$6,741.00 (+5.74%)	$692,800 (+15.08%) Land $240,300 Building $452,500
2023	$6,375.00	$602,000 Land $214,600 Building $387,400

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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