191 Western Ave, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 191 Western Ave, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 986 sqft · built 1900
Lot Size	0.146 acres (6,345 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Aug 2020)
Tax Bill	$4,445 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0216 B:0063 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0216 B:0063 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	986 sqft Living Area
Gross Area	2,274 sqft
1st Floor Area	663 sqft
Basement Area	761 sqft
Unfinished Basement	761 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,345 sqft (0.146 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	191 WESTERN AVE
City	GLOUCESTER
State	MA
Zip	01930-4043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Block	63
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3004
Census Tract	221901

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	Individual Name on Record
Mailing Address	191 WESTERN AVE, GLOUCESTER, MA 01930-4043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK
Oct 24, 2025	Quit Claim Deed, Transfer CAPE ANN SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2020 · Amount on Record
Deed Sale	Aug 24, 2020 · Amount on Record
Deed Book / Page	38855 / 325
Last Transfer Date	Oct 20, 2025
Transfer Doc	043026-510
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	191 WESTERN AVE, GLOUCESTER, MA 01930-4043
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00040641-1
Date	Jan 7, 2022
Book Page	40641/1
Instrument	20220107001900

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Oct 24, 2025
Property Address	191 WESTERN AVE, GLOUCESTER, MA 01930-4043
Document Number	043026-510
Book / Page	43026 / 510
Instrument Date	Oct 20, 2025
Instrument	20251024002360
Transaction Type	Transfer
Record Updated	Dec 12, 2025

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	191 WESTERN AVE, GLOUCESTER, MA 01930-4043

Mortgage

Document Number	20251024002390
Date	Oct 24, 2025
Instrument	20251024002390

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2050

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	$4,445.00 (+4.22%)	$477,400 (+8.8%) Land $172,100 Building $305,300	$526,538 (+0.81%)
2025	$4,265.00 (+1.64%)	$438,800 (+1.76%) Land $159,400 Building $279,400	$522,310
2024	$4,196.00 (+8.56%)	$431,200 (+18.14%) Land $151,800 Building $279,400
2023	$3,865.00	$365,000 Land $135,500 Building $229,500

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 14 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	5 (2018–2024)
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 2 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

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

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

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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