225 Bray St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 225 Bray St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,693 sqft · built 2008
Lot Size	3.02 acres (131,551 sqft)
Owner	2 Trust Names on File
Tax Bill	$16,081 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Nov 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`104859`

Property Details

APN / Parcel Number

Primary APN	`104859`
Alternative APN	`GLOU M:0254 B:0147 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,693 sqft Living Area
Gross Area	8,960 sqft
1st Floor Area	2,230 sqft
Basement Area	2,208 sqft
Unfinished Basement	2,208 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	131,551 sqft (3.02 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	104859
Street Address	225 BRAY ST
City	GLOUCESTER
State	MA
Zip	01930-1552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Subdivision	GLOUCESTER
Legal Block	147
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3025
Census Tract	221902

Owner

Source: Essex County and Gloucester City assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on File
Mailing Address	225 BRAY ST, GLOUCESTER, MA 01930-1552
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2025	Deed of Trust, Mortgage BANK OF AMERICA NA
Nov 30, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Nov 29, 2023
Transfer Doc	041885-157
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	225 BRAY ST, GLOUCESTER, MA 01930-1552
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042657-128
Date	Apr 11, 2025
Book Page	42657/128
Instrument	20250411000370

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Nov 30, 2023
Property Address	225 BRAY ST, GLOUCESTER, MA 01930-1552
Document Number	041885-157
Book / Page	41885 / 157
Instrument Date	Nov 29, 2023
Instrument	20231130005600
Transaction Type	Transfer
Record Updated	Dec 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 BRAY ST, GLOUCESTER, MA 01930-1552

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	$16,081.00 (+1.13%)	$1,654,400 (+1.24%) Land $421,300 Building $1,233,100	$1,634,665
2024	$15,901.00 (+11.02%)	$1,634,200 (+20.84%) Land $401,100 Building $1,233,100
2023	$14,322.00	$1,352,400 Land $269,200 Building $1,083,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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