20 Causeway St, Gloucester, MA 01930 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,246 sqft · built 2020
Lot Size	0.939 acres (40,891 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Nov 2020)
Tax Bill	$7,600 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2025 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`105373`

Property Details

APN / Parcel Number

Primary APN	`105373`
Alternative APN	`GLOU M:0234 B:0097 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,246 sqft Living Area
Gross Area	4,480 sqft
Basement Area	872 sqft
Unfinished Basement	872 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,891 sqft (0.939 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	105373
Street Address	20 CAUSEWAY ST
City	GLOUCESTER
State	MA
Zip	01930-2133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Block	97
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3037
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	20 CAUSEWAY ST, GLOUCESTER, MA 01930-2133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Oct 20, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Nov 25, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP.
Jun 12, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2020 · Amount on Record
Deed Sale	Nov 25, 2020 · Amount on Record
Prior Sale	Feb 29, 2016 · Amount on Record
Deed Book / Page	39223 / 155
Prior Transfer Date	Nov 13, 2020
Prior Transfer Doc	3922000155
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	20 CAUSEWAY ST, GLOUCESTER, MA 01930-2133
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041133-536
Date	Aug 16, 2022
Book Page	41133/536
Instrument	20220816003080

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	20 CAUSEWAY ST, GLOUCESTER, MA 01930-2133
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043015-387
Date	Oct 20, 2025
Book Page	43015/387
Instrument	20251020001870

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	20 CAUSEWAY ST, GLOUCESTER, MA 01930-2133
Transaction Type	Mortgage
Record Updated	Jan 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037510-119
Date	May 15, 2019
Book Page	37510/119
Instrument	20190515002270

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Nov 25, 2020
Property Address	20 CAUSEWAY ST, GLOUCESTER, MA 01930-2133
Document Number	039223-155
Book / Page	39223 / 155
Instrument Date	Nov 13, 2020
Instrument	20201125000470
Transaction Type	Transfer
Record Updated	Jan 27, 2022

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
Relationship	Tenants by the Entirety
Address	1 CAUSEWAY ST, GLOUCESTER, MA 01930-2132

Mortgage

Document Number	201125000480
Date	Nov 25, 2020
Instrument	201125000480

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jun 12, 2018
Property Address	20 CAUSEWAY ST, GLOUCESTER, MA 01930-2133
Document Number	36781-131
Book / Page	036781 / 000131
Instrument Date	Jun 12, 2018
Instrument	1806122570
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,436.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10-12 CLEVELAND ST GLOUCESTER MA 019302764, GLOUCESTER, MA 01930-2764

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	$7,600.00 (-1.73%)	$816,300 (+2.59%) Land $246,000 Building $570,300	$936,254 (+12.97%)
2025	$7,734.00 (-1.69%)	$795,700 (-1.58%) Land $227,800 Building $567,900	$828,780
2024	$7,867.00 (-1.65%)	$808,500 (+7.04%) Land $217,000 Building $591,500
2023	$7,999.00	$755,300 Land $193,600 Building $561,700

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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