3 Howard Rd, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 3 Howard Rd, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,279 sqft · built 1959
Lot Size	0.177 acres (7,700 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jun 2018)
Tax Bill	$5,564 (2026)
Deeds & Mortgages	Jun 2018 Sale & Mortgage Jan 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0101 B:0002 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0101 B:0002 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,279 sqft Living Area
Gross Area	2,750 sqft
1st Floor Area	1,279 sqft
Basement Area	1,247 sqft
Unfinished Basement	559 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,700 sqft (0.177 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3 HOWARD RD
City	GLOUCESTER
State	MA
Zip	01930-1764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Block	2
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	1
Census Block	1006
Census Tract	221800

Owner

3 Howard Rd is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 HOWARD RD, GLOUCESTER, MA 01930-1764
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
Jun 28, 2018	Quit Claim Deed, Transfer CAPE ANN SAVINGS BANK
Jan 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2018 · Amount on File
Deed Sale	Jun 28, 2018 · Amount on File
Prior Sale	Dec 14, 2016
Deed Book / Page	36825 / 115
Transfer Doc	036825-115
Record Updated	Oct 29, 2026

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jun 28, 2018
Property Address	3 HOWARD RD, GLOUCESTER, MA 01930-1764
Document Number	36825-115
Book / Page	36825 / 115
Instrument	180628005440
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HOWARD RD, GLOUCESTER, MA 01930-1764

Mortgage

Document Number	368250117
Date	Jun 28, 2018
Instrument	36825/0117

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Interest

Rate	4%
Max Rate At Change	70.1%
Max Rate	3%

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jan 11, 2017
Property Address	3 HOWARD RD, GLOUCESTER, MA 01930-1764
Document Number	35603-338
Book / Page	035603 / 000338
Instrument Date	Dec 31, 2016
Instrument	1701110035
Transaction Type	Transfer
Record Updated	Jan 31, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 BIRCH GROVE HTS GLOUCESTER MA 019304963, GLOUCESTER, MA 01930-4963

Tax Assessment & Valuation

The 2026 property tax bill for 3 Howard Rd was $5,564, up 3% 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	$5,564.00 (+3.04%)	$597,600 (+7.56%) Land $242,200 Building $355,400	$680,638
2025	$5,400.00 (+2.82%)	$555,600 (+2.93%) Land $224,300 Building $331,300
2024	$5,252.00 (-2.67%)	$539,800 (+5.95%) Land $213,700 Building $326,100	$601,540
2023	$5,396.00	$509,500 Land $190,800 Building $318,700

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

Flood

FEMA maps place 3 Howard Rd 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 15 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (1987–2018)
Most Recent Claim	Jan 2018 · tidal / storm surge

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 3 Howard Rd is low, with less than 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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 327 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Howard Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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