Essex County and Gloucester City property record for 20 Leonard St, Unit 3, Gloucester, MA 01930
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1.5 ba · 1,610 sqft · built 2000 |
| Lot Size | 0.274 acres (11,941 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Oct 2002) |
| Tax Bill | $8,502 (2026) |
| Deeds & Mortgages | Apr 2021 Refinance Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0119 B:0019 L:0003 |
| Primary APN | GLOU M:0119 B:0019 L:0003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Units | 5 Units |
| Stories | 3 Stories |
| Building Area | 1,610 sqft Living Area |
| 1st Floor Area | 191 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,941 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 20 LEONARD ST, 3 |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-1364 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | NB |
| Legal Block | 19 |
| Legal Lot Number | 3 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 221100 |
20 Leonard St, Unit 3 is owned and occupied by two individuals who bought it in October 2002.
Source: Essex County and Gloucester City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 LEONARD ST, 3, GLOUCESTER, MA 01930-1364 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK |
| Aug 26, 2019 | Deed of Trust, Mortgage · Balloon Mortgage CAPE ANN SAVINGS BANK |
| Aug 26, 2019 | Deed of Trust, Mortgage · ARM CAPE ANN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2002 · Amount on File |
| Deed Sale | Oct 10, 2002 · Amount on File |
| Prior Sale | May 15, 2001 · Amount on File |
| Deed Book / Page | 19389 / 442 |
| Transfer Doc | 25638-486 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 20 LEONARD ST UNIT 3, 3, GLOUCESTER, MA 01930-1364 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 39734-356 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 39734/356 |
| Instrument | 20210405004920 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 20 LEONARD ST UNIT 3, 3, GLOUCESTER, MA 01930-1364 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37783-300 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 37783/300 |
| Instrument | 20190826001420 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 20 LEONARD ST UNIT 3, 3, GLOUCESTER, MA 01930-1364 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 37783-282 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 37783/282 |
| Instrument | 20190826001410 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Sep 26, 2026 |
The 2026 property tax bill for 20 Leonard St, Unit 3 was $8,502, up 4% from the year before.
Source: Essex County and Gloucester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Gloucester City |
| Unified School District | Gloucester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,502.00 (+3.97%) | $913,200 (+8.55%) Building $913,200 | $679,992 |
| 2025 | $8,177.00 (+4.29%) | $841,300 (+4.39%) Building $841,300 | |
| 2024 | $7,841.00 (-1.03%) | $805,900 (+7.71%) Building $805,900 | $910,670 |
| 2023 | $7,923.00 | $748,200 Building $748,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Leonard St, Unit 3 in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 36 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 39 units insured incl. 3 condo units |
| Nearby Flood Claims | 27 (1978–2024) |
| Claims Outside the SFHA | 3 of 27 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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 risk around 20 Leonard St, Unit 3 is low, with less than 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 94% of the US · lower than 86% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures