Essex County and Gloucester City property record for 28 Vine St, Gloucester, MA 01930
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,780 sqft · built 1999 |
| Lot Size | 0.994 acres (43,302 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $14,650 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Oct 2021 Refinance + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | GLOU M:0112 B:0098 L:0000 |
| Primary APN | GLOU M:0112 B:0098 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,780 sqft Living Area |
| Gross Area | 3,124 sqft |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,248 sqft |
| Unfinished Basement | 1,248 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,302 sqft (0.994 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 28 VINE ST |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-1759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Block | 98 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 221100 |
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 | 28 VINE ST, GLOUCESTER, MA 01930-1759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2022 | Deed of Trust, Mortgage · Line of Credit DIRECT CU |
| Oct 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DIRECT CU |
| Nov 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DIGITAL EMP FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 28 VINE ST, GLOUCESTER, MA 01930-1759 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000639266 |
|---|---|
| Date | Sep 12, 2022 |
| Instrument | 639266 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 28 VINE ST, GLOUCESTER, MA 01930-1759 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 629831 |
|---|---|
| Date | Oct 4, 2021 |
| Instrument | 629831 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 28 VINE ST, GLOUCESTER, MA 01930-1759 |
| Document Number | 0000607521 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 28 VINE ST GLOUCESTER MA 019301759, GLOUCESTER, MA 01930-1759 |
| Document Number | 0000607521 |
|---|---|
| Date | Nov 20, 2019 |
| Instrument | 607521 |
| Name | DIGITAL EMP FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 19, 2049 |
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 |
|---|---|---|---|
| 2026 | $14,650.00 (+3.52%) | $1,573,600 (+8.08%) Land $1,093,600 Building $480,000 | $1,172,485 |
| 2025 | $14,152.00 (+3.3%) | $1,456,000 (+3.41%) Land $1,012,500 Building $443,500 | |
| 2024 | $13,700.00 (+6.05%) | $1,408,000 (+15.42%) Land $964,500 Building $443,500 | |
| 2023 | $12,919.00 | $1,219,900 Land $822,200 Building $397,700 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 36 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 39 units insured incl. 3 condo units |
| Nearby Flood Claims | 27 (1978–2024) |
| Claims Outside the SFHA | 3 of 27 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| 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 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 138 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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