320 Concord St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 320 Concord St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 972 sqft · built 1969
Lot Size	1.94 acres (84,506 sqft)
Owner	Individual Name on Record
Last Sale	$965,000 (Nov 2024)
Tax Bill	$5,936 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Dec 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0240 B:0034 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0240 B:0034 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	972 sqft Living Area
Gross Area	2,416 sqft
1st Floor Area	720 sqft
Attic	Attic
Attic Area	720 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	84,506 sqft (1.94 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	320 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	34
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2000
Census Tract	221902

Owner

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	36 BUENA VISTA RD, ARLINGTON, MA 02476-7511
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Dec 28, 2017	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA
Jan 28, 2019	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Nov 20, 2018	Deed of Trust, Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2024 · Amount on Record
Deed Sale	Nov 1, 2024 · Amount on Record
Prior Sale	Jul 21, 2005 · Amount on Record
Deed Document Number	20242880
Deed Book / Page	42412 / 70
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	320 CONCORD ST, GLOUCESTER, MA 01930-1549
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042807-268
Date	Jul 1, 2025
Book Page	42807/268
Instrument	20250701000170

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jul 1, 2032
Index	Other

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	320 CONCORD ST, GLOUCESTER, MA 01930-1549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36441-10
Date	Dec 28, 2017
Book Page	36441/10
Instrument	171228005650

Lender

Name	SANTANDER BANK NA

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Dec 1, 2046

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	320 CONCORD ST, GLOUCESTER, MA 01930-1549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37296-60
Date	Jan 28, 2019
Book Page	37296/60
Instrument	20190128002460

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	320 CONCORD ST, GLOUCESTER, MA 01930-1549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37166-367
Date	Nov 20, 2018
Book Page	37166/367
Instrument	181120002050

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

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	$5,936.00 (+11.54%)	$637,600 (+16.46%) Land $270,600 Building $367,000	$772,051 (-15.48%)
2025	$5,322.00 (-1.5%)	$547,500 (-1.4%) Land $250,600 Building $296,900	$913,425
2024	$5,403.00 (+3.03%)	$555,300 (+12.14%) Land $238,700 Building $316,600
2023	$5,244.00	$495,200 Land $213,000 Building $282,200

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

Flood

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

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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