25 Elm St, Apt 2, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 25 Elm St, Apt 2, Gloucester, MA 01930

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,129 sqft · built 1900
Lot Size	0.159 acres (6,933 sqft)
Owner	2 Individual Names on File
Last Sale	$283,000 (Jul 2018)
Tax Bill	$3,551 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0013 B:0034 L:0002`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0013 B:0034 L:0002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Units	3 Units
Stories	1 Story
Building Area	1,129 sqft Living Area
1st Floor Area	1,129 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,933 sqft (0.159 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	25 ELM ST, 2
City	GLOUCESTER
State	MA
Zip	01930-3788
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-5
Legal Block	34
Legal Lot Number	2
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2028
Census Tract	221500

Owner

25 Elm St, Apt 2 is owned and occupied by two individuals who bought it in July 2018.

Source: Essex County and Gloucester City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	25 ELM ST, 2, GLOUCESTER, MA 01930-3788
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE
Oct 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jul 13, 2018	Condominium Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2018 · Amount on File
Deed Sale	Jul 13, 2018 · Amount on File
Prior Sale	Mar 10, 2016 · Amount on File
Deed Book / Page	36861 / 600
Transfer Doc	036861-600
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	25 ELM ST APT 2, 2, GLOUCESTER, MA 01930-3788
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041270-190
Date	Oct 28, 2022
Book Page	41270/190
Instrument	20221028000350

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2042

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	25 ELM ST APT 2, 2, GLOUCESTER, MA 01930-3788
Transaction Type	Mortgage
Record Updated	May 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039069-538
Date	Oct 19, 2020
Book Page	39069/538
Instrument	20201019000920

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jul 13, 2018
Property Address	25 ELM ST APT 2, 2, GLOUCESTER, MA 01930-3788
Document Number	36861-600
Book / Page	036861 / 000600
Instrument Date	Jun 19, 2018
Instrument	1807134810
Transaction Type	Transfer
Record Updated	Jul 31, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.48
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 ELM ST #2 GLOUCESTER MA 019303725, 2, GLOUCESTER, MA 01930-3725

Mortgage

Document Number	36861-604
Date	Jul 13, 2018
Book Page	036861/000604
Instrument	1807134820

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 25 Elm St, Apt 2 was $3,551, up 3.8% from the year before.

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
2026	$3,551.00 (+3.83%)	$381,400 (+8.38%) Building $381,400	$407,540
2025	$3,420.00 (+6.51%)	$351,900 (+6.64%) Building $351,900
2024	$3,211.00 (-1.92%)	$330,000 (+6.73%) Building $330,000	$383,990
2023	$3,274.00	$309,200 Building $309,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 25 Elm St, Apt 2 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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	Coastal Storm, Oct 1991 · 3 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

Wildfire risk around 25 Elm St, Apt 2 is low, with a 0.01% annual chance of 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	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 208 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

May also be available: T-Mobile.

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