31 Decatur St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 31 Decatur St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,662 sqft · built 1947
Lot Size	0.511 acres (22,267 sqft)
Owner	2 Individual Names on File
Last Sale	$572,000 (Sep 2018)
Tax Bill	$8,890 (2026)
Deeds & Mortgages	Feb 2021 Refinance Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0065 B:0010 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0065 B:0010 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,662 sqft Living Area
Gross Area	3,948 sqft
1st Floor Area	1,172 sqft
Basement Area	980 sqft
Unfinished Basement	980 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,267 sqft (0.511 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	31 DECATUR ST
City	GLOUCESTER
State	MA
Zip	01930-3249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Block	10
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3042
Census Tract	221300

Owner

31 Decatur St is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	31 DECATUR ST, GLOUCESTER, MA 01930-3249
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
Feb 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Feb 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Mar 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MTG
Sep 7, 2018	Quit Claim Deed, Transfer · Conventional Mortgage FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2018 · Amount on File
Deed Sale	Sep 7, 2018 · Amount on File
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	31 DECATUR ST, GLOUCESTER, MA 01930-3249
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000621418
Date	Feb 2, 2021
Instrument	621418

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	31 DECATUR ST, GLOUCESTER, MA 01930-3249
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	621418
Date	Feb 2, 2021
Instrument	621418

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	31 DECATUR ST, GLOUCESTER, MA 01930-3249
Document Number	0000610517
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 DECATUR ST GLOUCESTER MA 019303249, GLOUCESTER, MA 01930-3249

Mortgage

Document Number	0000610517
Date	Mar 5, 2020
Instrument	610517

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Sep 7, 2018
Property Address	31 DECATUR ST, GLOUCESTER, MA 01930-3249
Document Number	0000595811
Instrument Date	Aug 29, 2018
Instrument	595811
Transaction Type	Transfer
Record Updated	Sep 28, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,608.32
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 DECATUR ST GLOUCESTER MA 019303249, GLOUCESTER, MA 01930-3249

Mortgage

Document Number	595812
Date	Sep 7, 2018
Instrument	595812

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.13%

Tax Assessment & Valuation

The 2026 property tax bill for 31 Decatur St was $8,890, up 0.6% 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	$8,890.00 (+0.55%)	$954,900 (+4.98%) Land $531,400 Building $423,500	$933,747
2025	$8,841.00 (+1.11%)	$909,600 (+1.21%) Land $492,100 Building $417,500
2024	$8,744.00 (+9.79%)	$898,700 (+19.51%) Land $468,600 Building $430,100	$842,365
2023	$7,964.00	$752,000 Land $399,800 Building $352,200

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

Flood

FEMA maps place 31 Decatur St in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1978.

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 76 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	115 units insured incl. 39 condo units
Nearby Flood Claims	24 (1978–2024)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 7 claims Coastal Storm, Oct 1991 · 6 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

Wildfire risk around 31 Decatur St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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