Essex County and Gloucester City property record for 224 Bray St, Gloucester, MA 01930
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,506 sqft · built 1987 |
| Lot Size | 0.653 acres (28,444 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $567,500 (Oct 2016) |
| Tax Bill | $10,420 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Mar 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0254 B:0048 L:0000 |
| Primary APN | GLOU M:0254 B:0048 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,506 sqft Living Area |
| Gross Area | 4,995 sqft |
| 1st Floor Area | 1,085 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 518 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 28,444 sqft (0.653 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 224 BRAY ST |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-1551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-80 |
| Legal Block | 48 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 221902 |
Source: Essex County and Gloucester City records · APN GLOU M:0254 B:0048 L:0000
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 224 BRAY ST, GLOUCESTER, MA 01930-1551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 08, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Jun 29, 2017 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 28, 2016 · Amount on Record |
| Deed Sale | Oct 28, 2016 · Amount on Record |
| Prior Sale | Sep 19, 1989 · Amount on Record |
| Deed Book / Page | 35397 / 203 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 224 BRAY ST, GLOUCESTER, MA 01930-1551 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0041012-96 |
|---|---|
| Date | Jun 21, 2022 |
| Book Page | 41012/96 |
| Instrument | 20220621001130 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 01, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 224 BRAY ST, GLOUCESTER, MA 01930-1551 |
| Document Number | 37409-214 |
| Instrument Date | Mar 08, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 224 BRAY ST GLOUCESTER MA 019301551, GLOUCESTER, MA 01930-1551 |
| Document Number | 37409-214 |
|---|---|
| Date | Mar 29, 2019 |
| Book Page | 037409/000214 |
| Instrument | 190329870 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 224 BRAY ST, GLOUCESTER, MA 01930-1551 |
| Document Number | 36014-1 |
| Book / Page | 036014 / 000001 |
| Instrument Date | Jun 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2017 |
| Name | Verified Name |
|---|
| Document Number | 36014-1 |
|---|---|
| Date | Jul 12, 2017 |
| Book Page | 036014/000001 |
| Instrument | 1707120329 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 11, 2057 |
| Rate Type | Adjustable Rate |
|---|
Source: Essex County and Gloucester City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Gloucester City |
| Unified School District | Gloucester School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,420.00 (+1.23%) | $1,072,000 (+1.33%) Land $294,900 Building $777,100 | |
| 2024 | $10,293.00 (+9.24%) | $1,057,900 (+18.91%) Land $280,800 Building $777,100 | $930,430 |
| 2023 | $9,422.00 | $889,700 Land $250,700 Building $639,000 |
Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
Based on FCC filings for 51 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GLOUCESTER PUBLIC UTILITY DIVISION serves 37,440 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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