20 Andrews St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 20 Andrews St, Gloucester, MA 01930

Property Summary

Property Type	Duplex
Details	3 bd · 3.5 ba · 2,898 sqft · built 2004
Lot Size	0.178 acres (7,770 sqft)
Owner	Individual Name on File
Last Sale	$1,695,000 (Apr 2021)
Tax Bill	$12,554 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Dec 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0142 B:0048 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0142 B:0048 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	2,898 sqft Living Area
Gross Area	4,843 sqft
1st Floor Area	1,535 sqft
Basement Area	1,535 sqft
Unfinished Basement	367 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,770 sqft (0.178 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 ANDREWS ST
City	GLOUCESTER
State	MA
Zip	01930-1102
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-20
Legal Block	48
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	1
Census Block	1012
Census Tract	221100

Owner

20 Andrews St, a duplex, is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	20 ANDREWS ST, GLOUCESTER, MA 01930-1102
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 12, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT
Dec 31, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2021 · Amount on File
Deed Sale	Apr 12, 2021 · Amount on File
Prior Sale	Oct 25, 2001 · Amount on File
Deed Book / Page	39758 / 20
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Apr 12, 2021
Property Address	20 ANDREWS ST, GLOUCESTER, MA 01930-1102
Document Number	0039758-20
Book / Page	39758 / 20
Instrument Date	Apr 12, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
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	20 ANDREWS ST, GLOUCESTER, MA 01930-1102

Mortgage

Document Number	0003975822
Date	Apr 12, 2021
Instrument	39758/22

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	20 ANDREWS ST, GLOUCESTER, MA 01930-1102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39366-460
Date	Dec 31, 2020
Book Page	39366/460
Instrument	20201231004050

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 20 Andrews St was $12,554, up 8.2% 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	$12,554.00 (+8.17%)	$1,348,400 (+12.93%) Land $463,500 Building $884,900	$1,500,661
2025	$11,606.00 (+2.25%)	$1,194,000 (+2.35%) Land $429,300 Building $764,700
2024	$11,351.00 (-3.81%)	$1,166,600 (+4.69%) Land $408,900 Building $757,700
2023	$11,800.00	$1,114,300 Land $365,000 Building $749,300

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

Flood

FEMA maps place 20 Andrews St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File median of 20 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	8 (1991–2010)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Feb 2010 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims Coastal Storm, Oct 1991 · 3 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 20 Andrews St is low, with 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 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.

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 317 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

Cell Coverage

5G (outdoors only) and 4G LTE

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