318 Concord St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 318 Concord St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,464 sqft · built 1971
Lot Size	2 acres (87,120 sqft)
Owner	2 Trust Names on File
Tax Bill	$8,596 (2026)
Deeds & Mortgages	Apr 2023 Transfer Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0240 B:0035 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0240 B:0035 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,464 sqft Living Area
Gross Area	3,520 sqft
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	318 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	35
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2000
Census Tract	221902

Owner

318 Concord St is owner-occupied and held in a trust since March 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	318 CONCORD ST, GLOUCESTER, MA 01930-1549
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 3, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 30, 2023
Transfer Doc	0041503-51
Record Updated	Oct 29, 2026

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Apr 3, 2023
Property Address	318 CONCORD ST, GLOUCESTER, MA 01930-1549
Document Number	0041503-51
Book / Page	41503 / 51
Instrument Date	Mar 30, 2023
Instrument	20230403000820
Transaction Type	Transfer
Record Updated	Apr 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 CONCORD ST, GLOUCESTER, MA 01930-1549

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	318 CONCORD ST, GLOUCESTER, MA 01930-1549
Document Number	36867-405
Instrument Date	Jul 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 CONCORD ST GLOUCESTER MA 019301549, GLOUCESTER, MA 01930-1549

Mortgage

Document Number	36867-405
Date	Jul 17, 2018
Book Page	036867/000405
Instrument	18071741

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 318 Concord St was $8,596, up 3.5% 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	$8,596.00 (+3.54%)	$923,300 (+8.1%) Land $272,100 Building $651,200	$951,372
2025	$8,302.00 (+1.32%)	$854,100 (+1.43%) Land $252,000 Building $602,100
2024	$8,194.00 (+4.6%)	$842,100 (+13.83%) Land $240,000 Building $602,100	$1,230,440
2023	$7,834.00	$739,800 Land $214,200 Building $525,600

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

Flood

FEMA maps place 318 Concord 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
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

Wildfire risk around 318 Concord St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 42 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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