38 Concord St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 38 Concord St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 1985
Lot Size	0.53 acres (23,088 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Jan 1993)
Tax Bill	$6,807 (2026)
Deeds & Mortgages	May 2020 Line of Credit Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0229 B:0007 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0229 B:0007 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,664 sqft Living Area
Gross Area	3,036 sqft
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	224 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,088 sqft (0.53 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	38 CONCORD ST
City	GLOUCESTER
State	MA
Zip	01930-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Block	7
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	1
Census Block	1004
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	2 Individual Names on Record
Mailing Address	38 CONCORD ST, GLOUCESTER, MA 01930-2306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2020	Deed of Trust, Mortgage · Line of Credit INSTITUTION FOR SAVINGS NEWBURYPORT
Dec 20, 2017	Deed of Trust, Mortgage · Closed-End Mortgage BEVERLY BANK
May 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 1993 · Amount on Record
Deed Sale	Jan 21, 1993 · Amount on Record
Deed Book / Page	11711 / 80
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	38 CONCORD ST, GLOUCESTER, MA 01930-2306
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38479-475
Date	May 4, 2020
Book Page	38479/475
Instrument	20200504001710

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	38 CONCORD ST, GLOUCESTER, MA 01930-2306
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36421-91
Date	Dec 20, 2017
Book Page	36421/91
Instrument	171220001890

Lender

Name	BEVERLY BANK

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 1, 2042

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	38 CONCORD ST, GLOUCESTER, MA 01930-2306
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38479-461
Date	May 4, 2020
Book Page	38479/461
Instrument	20200504001700

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

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	$6,807.00 (+3.72%)	$731,100 (+8.28%) Land $236,600 Building $494,500	$718,814 (+14.3%)
2025	$6,563.00 (+0.66%)	$675,200 (+0.76%) Land $219,100 Building $456,100
2024	$6,520.00 (+4.49%)	$670,100 (+13.73%) Land $208,600 Building $461,500	$628,900
2023	$6,240.00	$589,200 Land $186,300 Building $402,900

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	24 units insured incl. 3 condo units
Nearby Flood Claims	42 (1978–2022)
Claims Outside the SFHA	2 of 42
Most Recent Claim	Dec 2022 · tidal / storm surge
Claims by Event	Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 2 claims Coastal Storm, Oct 1991 · 3 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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

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	0.02% 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 38 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

Cell Coverage

5G (outdoors only) and 4G LTE

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