28 Highland St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 28 Highland St, Gloucester, MA 01930

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,234 sqft · built 1900
Lot Size	0.244 acres (10,650 sqft)
Owner	Individual Name on File
Tax Bill	$7,164 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Dec 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0064 B:0002 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0064 B:0002 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,234 sqft Living Area
Gross Area	4,350 sqft
1st Floor Area	1,140 sqft
Attic	Attic
Attic Area	690 sqft
Basement Area	1,116 sqft
Unfinished Basement	1,116 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,650 sqft (0.244 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	28 HIGHLAND ST
City	GLOUCESTER
State	MA
Zip	01930-3853
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-10
Legal Block	2
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	1
Census Block	1005
Census Tract	221300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East Gloucester Square Historic District listed 1996 · 254 contributing resources · NRIS 96000471

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

28 Highland St, a duplex, is owned and occupied by an individual who acquired it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	28 HIGHLAND ST, GLOUCESTER, MA 01930-3853
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Nov 7, 2025	Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK
Dec 23, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 19, 2022
Transfer Doc	041368-584
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	28 HIGHLAND ST, GLOUCESTER, MA 01930-3853
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00043056-9
Date	Nov 7, 2025
Book Page	43056/9
Instrument	20251107001570

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Dec 23, 2022
Property Address	28 HIGHLAND ST, GLOUCESTER, MA 01930-3853
Document Number	041368-584
Book / Page	41368 / 584
Instrument Date	Dec 19, 2022
Instrument	20221223000310
Transaction Type	Transfer
Record Updated	Jan 6, 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
Relationship	Joint Tenants
Address	28 HIGHLAND ST, GLOUCESTER, MA 01930-3853

Mortgage

Document Number	041368-586
Date	Dec 23, 2022
Book Page	41368/586
Instrument	20221223000320

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 28 Highland St was $7,164, up 8.5% 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	$7,164.00 (+8.51%)	$769,500 (+13.3%) Land $267,700 Building $501,800	$733,851
2025	$6,602.00 (+2.28%)	$679,200 (+2.38%) Land $247,900 Building $431,300
2024	$6,455.00 (-2.32%)	$663,400 (+6.31%) Land $236,100 Building $427,300
2023	$6,608.00	$624,000 Land $210,800 Building $413,200

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

Flood

FEMA maps place 28 Highland St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1984.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 30 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	51 units insured incl. 21 condo units
Nearby Flood Claims	7 (1984–2018)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2018 · other causes
Claims by Event	Coastal Storm, Oct 1991 · 2 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

The area around 28 Highland St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 346 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

Nearby Properties on Highland St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures