280 Concord St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 280 Concord St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,075 sqft · built 1985
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individuals on Record
Last Sale	$215,000 (Mar 1995)
Tax Bill	$7,361 (2025)
Deeds & Mortgages	Apr 2021 Refinance May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0249 B:0038 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0249 B:0038 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,075 sqft Living Area
Gross Area	3,924 sqft
1st Floor Area	1,321 sqft
Basement Area	1,321 sqft
Unfinished Basement	567 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,382 sqft (0.95 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	280 CONCORD ST
City	GLOUCESTER
State	MA
Zip	01930-1549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Block	38
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2000
Census Tract	221902

Owner

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	2 Individuals on Record
Mailing Address	280 CONCORD ST, GLOUCESTER, MA 01930-1549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
May 18, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 1995 · Amount on Record
Deed Sale	Mar 27, 1995 · Amount on Record
Deed Book / Page	12961 / 547
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	280 CONCORD ST, GLOUCESTER, MA 01930-1549
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39756-70
Date	Apr 12, 2021
Book Page	39756/70
Instrument	20210412002920

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	280 CONCORD ST, GLOUCESTER, MA 01930-1549
Document Number	36760-346
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 CONCORD ST GLOUCESTER MA 019301549, GLOUCESTER, MA 01930-1549

Mortgage

Document Number	36760-346
Date	Jun 4, 2018
Book Page	036760/000346
Instrument	4000280

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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
2025	$7,361.00 (+1.49%)	$757,300 (+1.6%) Land $228,100 Building $529,200
2024	$7,253.00 (+4.51%)	$745,400 (+13.75%) Land $217,200 Building $528,200	$1,006,240
2023	$6,940.00	$655,300 Land $193,800 Building $461,500

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

Flood

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	13 (1978–2007)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Feb 2007 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, May 2006 · 3 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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

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	0.02% 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.

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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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