Essex County and Gloucester City property record for 20 Leonard St, Unit 5, Gloucester, MA 01930
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,726 sqft · built 2000 |
| Lot Size | 0.274 acres (11,954 sqft) |
| Owner | Individual Name on File |
| Last Sale | $750,000 (Jun 2017) |
| Tax Bill | $8,981 (2026) |
| Deeds & Mortgages | Dec 2021 Line of Credit Sep 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0119 B:0019 L:0005 |
| Primary APN | GLOU M:0119 B:0019 L:0005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Units | 5 Units |
| Stories | 2 Stories |
| Building Area | 1,726 sqft Living Area |
| 1st Floor Area | 258 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 | 11,954 sqft (0.274 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 20 LEONARD ST, 5 |
|---|---|
| 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 | 5 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 221100 |
20 Leonard St, Unit 5 is owned and occupied by an individual who bought it in June 2017.
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 | Individual Name on File |
|---|---|
| Mailing Address | 20 LEONARD ST, 5, GLOUCESTER, MA 01930-1364 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2021 | Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK |
| Sep 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Jun 7, 2017 | Condominium Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2017 · Amount on File |
| Deed Sale | Jun 7, 2017 · Amount on File |
| Prior Sale | Jun 15, 2004 · Amount on File |
| Deed Document Number | 2017216 |
| Deed Book / Page | 35924 / 209 |
| Transfer Doc | 28184-265 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 20 LEONARD ST UNIT 5, 5, GLOUCESTER, MA 01930-1364 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00040592-1 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 40592/1 |
| Instrument | 20211220004590 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Jan 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 20 LEONARD ST UNIT 5, 5, GLOUCESTER, MA 01930-1364 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38919-561 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 38919/561 |
| Instrument | 20200910001840 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | Jun 7, 2017 |
| Property Address | 20 LEONARD ST UNIT 5, 5, GLOUCESTER, MA 01930-1364 |
| Document Number | 35924-209 |
| Book / Page | 035924 / 000209 |
| Instrument Date | Jun 2, 2017 |
| Instrument | 1706070216 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,420.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 LEONARD ST #5 GLOUCESTER MA 019301364, 5, GLOUCESTER, MA 01930-1364 |
| Document Number | 35924-211 |
|---|---|
| Date | Jun 7, 2017 |
| Book Page | 035924/000211 |
| Instrument | 1706070217 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 6, 2047 |
The 2026 property tax bill for 20 Leonard St, Unit 5 was $8,981, 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 | $8,981.00 (+4.03%) | $964,700 (+8.61%) Building $964,700 | $739,369 |
| 2025 | $8,633.00 (+4.33%) | $888,200 (+4.43%) Building $888,200 | |
| 2024 | $8,275.00 (-1.1%) | $850,500 (+7.64%) Building $850,500 | $1,067,990 |
| 2023 | $8,367.00 | $790,100 Building $790,100 |
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 5 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 5 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 |
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