22 Chapel St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 22 Chapel St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,932 sqft · built 1920
Lot Size	0.107 acres (4,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$710,000 (Dec 2021)
Tax Bill	$6,986 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0059 B:0034 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0059 B:0034 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,932 sqft Living Area
Gross Area	3,422 sqft
1st Floor Area	1,066 sqft
Basement Area	1,066 sqft
Unfinished Basement	1,066 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,650 sqft (0.107 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	22 CHAPEL ST
City	GLOUCESTER
State	MA
Zip	01930-3818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Block	34
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	1
Census Block	1011
Census Tract	221300

Owner

Source: Essex County and Gloucester City records, as of August 18, 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	22 CHAPEL ST, GLOUCESTER, MA 01930-3818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE ANN SAVINGS BANK
May 26, 2017	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on Record
Deed Sale	Dec 13, 2021 · Amount on Record
Prior Sale	Apr 28, 1998 · Amount on Record
Deed Book / Page	40571 / 299
Record Updated	Sep 20, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Dec 13, 2021
Property Address	22 CHAPEL ST, GLOUCESTER, MA 01930-3818
Document Number	040571-299
Book / Page	40571 / 299
Instrument Date	Dec 13, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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	Joint Tenants
Address	22 CHAPEL ST, GLOUCESTER, MA 01930-3818

Mortgage

Document Number	0040571304
Date	Dec 13, 2021
Instrument	40571/304

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GLOUCESTER MA
Recording Date	May 26, 2017
Property Address	22 CHAPEL ST, GLOUCESTER, MA 01930-3818
Document Number	35895-565
Book / Page	035895 / 000565
Instrument Date	May 18, 2017
Instrument	1705260245
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	109 MAIN ST GLOUCESTER MA 019305701, GLOUCESTER, MA 01930-5701

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
2026	$6,986.00 (+3.7%)	$750,400 (+8.27%) Land $211,600 Building $538,800
2025	$6,737.00 (+1.26%)	$693,100 (+1.36%) Land $195,900 Building $497,200
2024	$6,653.00 (+4.43%)	$683,800 (+13.66%) Land $186,600 Building $497,200
2023	$6,371.00	$601,600 Land $166,600 Building $435,000

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Cost	Premium on Record median of 30 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	51 units insured incl. 21 condo units
Nearby Flood Claims	7 (1984–2018)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2018 · other causes
Claims by Event	Coastal Storm, Oct 1991 · 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile, Verizon.

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