31 Middle St, Gloucester, MA 01930 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,326 sqft · built 1900
Lot Size	0.098 acres (4,255 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Jul 2002)
Tax Bill	$4,668 (2026)
Deeds & Mortgages	Jul 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0007 B:0086 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0007 B:0086 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,326 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	678 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,255 sqft (0.098 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	31 MIDDLE ST
City	GLOUCESTER
State	MA
Zip	01930-5715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Block	86
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2029
Census Tract	221500

Historic Designation

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

Historic District	Within the Central Gloucester Historic District listed 1982 · 182 contributing resources · NRIS 82001881

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

Owner

31 Middle St is owned and occupied by an individual who bought it in July 2002.

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

Owner of Record	Individual Name on File
Mailing Address	31 MIDDLE ST, GLOUCESTER, MA 01930-5715
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2002 · Amount on File
Deed Sale	Jul 8, 2002 · Amount on File
Deed Book / Page	18912 / 396
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	31 MIDDLE ST, GLOUCESTER, MA 01930-5715
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38747-255
Date	Jul 24, 2020
Book Page	38747/255
Instrument	20200724003960

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 31 Middle St was $4,668, up 3.9% 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	$4,668.00 (+3.89%)	$501,400 (+8.48%) Land $143,200 Building $358,200	$575,611
2025	$4,493.00 (+1.28%)	$462,200 (+1.38%) Land $132,600 Building $329,600
2024	$4,436.00 (+4.55%)	$455,900 (+13.78%) Land $126,300 Building $329,600	$543,020
2023	$4,243.00	$400,700 Land $112,800 Building $287,900

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

Flood

FEMA maps place 31 Middle St 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 33 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	42 units insured incl. 9 condo units
Nearby Flood Claims	13 (1987–2020)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Coastal Storm, Oct 1991 · 3 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 Middle St 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 94% of the US · lower than 86% 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 896 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20