20 Bray St, Gloucester, MA 01930 Property Records

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

Property Summary

Property Type	Vacant Land
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Trust Names on Record
Tax Bill	$2,329 (2026)
Deeds & Mortgages	Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`108447`

Property Details

APN / Parcel Number

Primary APN	`108447`
Alternative APN	`GLOU M:0240 B:0088 L:0000`

Exterior

Lot Area	45,302 sqft (1.04 acres)

Location & Zoning

Account Number	108447
Street Address	20 BRAY ST
City	GLOUCESTER
State	MA
Zip	01930
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	R40
Legal Block	88
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2000
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 Trust Names on Record
Mailing Address	22 BRAY ST, 1, GLOUCESTER, MA 01930-1502
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	20 BRAY ST, GLOUCESTER, MA 01930-1502
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043183-69
Date	Jan 16, 2026
Book Page	43183/69
Instrument	20260116001200

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Feb 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jan 1, 2032
Index	1-Year CMT
Margin	3

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	$2,329.00 (+3.51%)	$250,200 (+8.08%) Land $248,400 Building $1,800	$968,382
2025	$2,250.00	$231,500 Land $230,000 Building $1,500

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	13 (1978–2007)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Feb 2007 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, May 2006 · 3 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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	0.02% 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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