Essex County and Gloucester City property record for 23 Prospect Sq, Gloucester, MA 01930
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 2,397 sqft · built 1900 |
| Lot Size | 0.063 acres (2,736 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,377 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage Mar 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0013 B:0084 L:0000 |
| Primary APN | GLOU M:0013 B:0084 L:0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 2,397 sqft Living Area |
| Gross Area | 4,507 sqft |
| 1st Floor Area | 1,106 sqft |
| Attic | Attic |
| Attic Area | 1,076 sqft |
| Basement Area | 1,106 sqft |
| Unfinished Basement | 1,106 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,736 sqft (0.063 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 23 PROSPECT SQ |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-4367 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | R-5 |
| Legal Block | 84 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 221500 |
Source: Essex County and Gloucester City records, as of October 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 | 109 MAIN ST, ROCKPORT, MA 01966-1565 |
| Owner Type | Individual |
| Vesting | Estate |
| Date | Document |
|---|---|
| Sep 30, 2022 | Deed of Trust, Mortgage · Commercial Mortgage CAPE ANN SAVINGS BANK |
| Mar 24, 2017 | Deed of Trust, Mortgage · Commercial Mortgage CAPE ANN SAVINGS BANK |
| Nov 13, 2019 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) CAPE ANN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 23 PROSPECT SQ, GLOUCESTER, MA 01930-4367 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00041225-1 |
|---|---|
| Date | Sep 30, 2022 |
| Book Page | 41225/1 |
| Instrument | 678 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 23 PROSPECT SQ, GLOUCESTER, MA 01930-4367 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35755-1 |
|---|---|
| Date | Mar 24, 2017 |
| Book Page | 35755/1 |
| Instrument | 310 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 23 PROSPECT SQ, GLOUCESTER, MA 01930-4367 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38021-143 |
|---|---|
| Date | Nov 13, 2019 |
| Book Page | 38021/143 |
| Instrument | 20191113001840 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|
| 2026 | $5,377.00 (+3.05%) | $577,600 (+7.6%) Land $131,800 Building $445,800 |
| 2025 | $5,218.00 (+7.3%) | $536,800 (+7.4%) Land $122,100 Building $414,700 |
| 2024 | $4,863.00 (-9.19%) | $499,800 (-1.17%) Land $116,200 Building $383,600 |
| 2023 | $5,355.00 | $505,700 Land $103,800 Building $401,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 33 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 42 units insured incl. 9 condo units |
| Nearby Flood Claims | 13 (1987–2020) |
| Claims Outside the SFHA | 4 of 13 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
| 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.
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 | None beyond ember reach |
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 720 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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