21 Bray St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 21 Bray St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,116 sqft · built 1926
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Sep 2019)
Tax Bill	$3,902 (2025)
Deeds & Mortgages	Oct 2021 Refinance Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0240 B:0054 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0240 B:0054 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,116 sqft Living Area
Gross Area	2,068 sqft
1st Floor Area	558 sqft
Basement Area	558 sqft
Unfinished Basement	558 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	21 BRAY ST
City	GLOUCESTER
State	MA
Zip	01930-1521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Block	54
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2004
Census Tract	221902

Owner

Source: Essex County and Gloucester City records, as of July 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	21 BRAY ST, GLOUCESTER, MA 01930-1521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Sep 4, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE ANN SAVINGS BANK
Sep 4, 2019	Personal Representative Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2019 · Amount on Record
Deed Sale	Sep 4, 2019 · Amount on Record
Deed Document Number	20194240
Deed Book / Page	37814 / 334
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	21 BRAY ST, GLOUCESTER, MA 01930-1521
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40349-545
Date	Oct 5, 2021
Book Page	40349/545
Instrument	20211005001880

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Sep 4, 2019
Property Address	21 BRAY ST, GLOUCESTER, MA 01930-1521
Document Number	37814-334
Book / Page	37814 / 334
Instrument Date	Sep 4, 2019
Instrument	20190904004240
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	229 CONCORD ST, GLOUCESTER, MA 01930-1536

Mortgage

Document Number	190904004250
Date	Sep 4, 2019
Instrument	190904004250

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Sep 4, 2026

September 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Sep 4, 2019
Property Address	21 BRAY ST, GLOUCESTER, MA 01930-1521
Document Number	37814-332
Book / Page	037814 / 000332
Instrument Date	Sep 4, 2019
Instrument	4004230
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 BRAY ST GLOUCESTER MA 019301521, GLOUCESTER, MA 01930-1521

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
2025	$3,902.00 (+1.72%)	$401,400 (+1.83%) Land $150,200 Building $251,200
2024	$3,836.00	$394,200 Land $143,000 Building $251,200	$595,555

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

Nearby Properties on Bray St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures