Essex County and Gloucester City property record for 32 Lake Rd, Gloucester, MA 01930
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,040 sqft · built 1987 |
| Lot Size | 0.401 acres (17,453 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $850,000 (Oct 2023) |
| Tax Bill | $8,046 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Oct 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0172 B:0018 L:0000 |
| Primary APN | GLOU M:0172 B:0018 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,040 sqft Living Area |
| Gross Area | 3,320 sqft |
| 1st Floor Area | 1,020 sqft |
| Basement Area | 1,020 sqft |
| Unfinished Basement | 1,020 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,453 sqft (0.401 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 32 LAKE RD |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-5235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Block | 18 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 221901 |
Source: Essex County and Gloucester City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 32 LAKE RD, GLOUCESTER, MA 01930-5235 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CAPE ANN SAVINGS BANK |
| Oct 12, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE ANN SAVINGS BANK |
| May 11, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 12, 2023 · Amount on Record |
| Deed Sale | Oct 12, 2023 · Amount on Record |
| Prior Sale | Jun 28, 2007 · Amount on Record |
| Deed Document Number | 20231520 |
| Deed Book / Page | 41804 / 211 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 32 LAKE RD, GLOUCESTER, MA 01930-5235 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 043170-394 |
|---|---|
| Date | Jan 9, 2026 |
| Book Page | 43170/394 |
| Instrument | 20260109000570 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Feb 1, 2031 |
| Index | 1-Year CMT |
| Margin | 3 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | Oct 12, 2023 |
| Property Address | 32 LAKE RD, GLOUCESTER, MA 01930-5235 |
| Document Number | 041804-211 |
| Book / Page | 41804 / 211 |
| Instrument Date | Oct 12, 2023 |
| Instrument | 20231012001520 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 LAKE RD, GLOUCESTER, MA 01930-5235 |
| Document Number | 231012001530 |
|---|---|
| Date | Oct 12, 2023 |
| Instrument | 231012001530 |
| Name | CAPE ANN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Nov 1, 2028 |
| Max Rate At Change | 3% |
| Index | 1-Year CMT |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 32 LAKE RD, GLOUCESTER, MA 01930-5235 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38502-553 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 38502/553 |
| Instrument | 20200511002430 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2045 |
Source: Essex County and Gloucester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Gloucester City |
| Unified School District | Gloucester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,046.00 (+3.66%) | $864,200 (+8.21%) Land $300,100 Building $564,100 | $818,451 (-7.13%) |
| 2025 | $7,762.00 (+5.12%) | $798,600 (+5.23%) Land $277,900 Building $520,700 | $881,315 |
| 2024 | $7,384.00 (+4.41%) | $758,900 (+13.64%) Land $264,600 Building $494,300 | |
| 2023 | $7,072.00 | $667,800 Land $236,300 Building $431,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 33 (1978–2018) |
| Claims Outside the SFHA | 17 of 33 |
| Most Recent Claim | Mar 2018 · Severe Winter Storm And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 331 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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