Essex County and Gloucester City property record for 278 Main St, Gloucester, MA 01930
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2 bd · 3 ba · 2,443 sqft · built 1986 |
| Lot Size | 0.063 acres (2,765 sqft) |
| Owner | Company Name on File |
| Last Sale | $500,000 (Dec 2020) |
| Tax Bill | $7,198 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0013 B:0003 L:0000 |
| Primary APN | GLOU M:0013 B:0003 L:0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 2,443 sqft Total Area |
| Gross Area | 4,066 sqft |
| 1st Floor Area | 920 sqft |
| Attic | Attic |
| Attic Area | 950 sqft |
| Basement Area | 950 sqft |
| Unfinished Basement | 950 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | High Rise |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,765 sqft (0.063 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 278 MAIN ST |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-6022 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | CB |
| Legal Subdivision | TERRACE BAYSIDE CONDO |
| Legal Block | 3 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 221500 |
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 | Company Name on File |
|---|---|
| Mailing Address | 4 ROCKPORT RD, GLOUCESTER, MA 01930-1925 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust · Commercial Mortgage |
| Jan 12, 2023 | Deed of Trust, Mortgage · Commercial Mortgage BANKGLOUCESTER (GLOUCESTER COOP BANK) |
| Nov 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANKGLOUCESTER (GLOUCESTER COOP BANK) |
| Dec 17, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 17, 2020 · Amount on Record |
| Deed Sale | Dec 17, 2020 · Amount on Record |
| Deed Document Number | 2020670 |
| Deed Book / Page | 39308 / 18 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | May 18, 2026 |
| Property Address | 278 MAIN ST, GLOUCESTER, MA 01930-6022 |
| Document Number | 043391-276 |
| Book / Page | 43391 / 276 |
| Instrument Date | May 15, 2026 |
| Instrument | 20261670 |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001670, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 43391/276 |
| Instrument | 20261670 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 278 MAIN ST, GLOUCESTER, MA 01930-6022 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2024 |
| Name | Verified Name |
|---|
| Document Number | 041396-551 |
|---|---|
| Date | Jan 12, 2023 |
| Book Page | 41396/551 |
| Instrument | 20230112001720 |
| Name | BANKGLOUCESTER (GLOUCESTER COOP BANK) |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 278 MAIN ST, GLOUCESTER, MA 01930-6022 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2024 |
| Name | Verified Name |
|---|
| Document Number | 040445-300 |
|---|---|
| Date | Nov 2, 2021 |
| Book Page | 40445/300 |
| Instrument | 20211102004300 |
| Name | BANKGLOUCESTER (GLOUCESTER COOP BANK) |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | Dec 17, 2020 |
| Property Address | 278 MAIN ST, GLOUCESTER, MA 01930-6022 |
| Document Number | 39308-18 |
| Book / Page | 039308 / 000018 |
| Instrument Date | Dec 7, 2020 |
| Instrument | 17000670 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,280.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4 ROCKPORT RD GLOUCESTER MA 019301925, GLOUCESTER, MA 01930-1925 |
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,198.00 (+14.84%) | $740,500 (+3.32%) Land $317,400 Building $423,100 | |
| 2024 | $716,700 (+25.1%) Land $302,300 Building $414,400 | $620,825 | |
| 2023 | $6,268.00 | $572,900 Land $269,900 Building $303,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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 |
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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