38 Derby St, Gloucester, MA 01930 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1900
Lot Size	0.044 acres (1,899 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jun 2023)
Tax Bill	$4,236 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0035 B:0002 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0035 B:0002 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,092 sqft Living Area
Gross Area	2,284 sqft
1st Floor Area	546 sqft
Attic	Attic
Attic Area	546 sqft
Basement Area	546 sqft
Unfinished Basement	546 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,899 sqft (0.044 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	38 DERBY ST
City	GLOUCESTER
State	MA
Zip	01930-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Subdivision	HOUSE LTS
Legal Block	2
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2003
Census Tract	221600

Historic Designation

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

Historic District	Within the Oak Grove Cemetery listed 1975 · 6 contributing resources · NRIS 75000263

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

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	38 DERBY ST, GLOUCESTER, MA 01930-2602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Feb 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Sep 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Aug 22, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Mar 13, 2009 · Amount on Record
Deed Document Number	20231060
Deed Book / Page	41640 / 111
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jun 30, 2023
Property Address	38 DERBY ST, GLOUCESTER, MA 01930-2602
Document Number	041640-111
Book / Page	41640 / 111
Instrument Date	Jun 30, 2023
Instrument	20230630001060
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 DERBY ST, GLOUCESTER, MA 01930-2602

Mortgage

Document Number	230630001070
Date	Jun 30, 2023
Instrument	230630001070

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	38 DERBY ST, GLOUCESTER, MA 01930-2602
Transaction Type	Mortgage
Record Updated	Feb 18, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040706-495
Date	Feb 4, 2022
Book Page	40706/495
Instrument	20220204002350

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	38 DERBY ST, GLOUCESTER, MA 01930-2602
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40275-264
Date	Sep 14, 2021
Book Page	40275/264
Instrument	20210914002410

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	38 DERBY ST, GLOUCESTER, MA 01930-2602
Document Number	37799-443
Instrument Date	Aug 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 DERBY ST GLOUCESTER MA 019302602, GLOUCESTER, MA 01930-2602

Mortgage

Document Number	37799-443
Date	Aug 30, 2019
Book Page	037799/000443
Instrument	190830380

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

Interest

Rate Type	Adjustable Rate

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	$4,236.00 (+3.44%)	$455,000 (+8%) Land $127,600 Building $327,400	$480,501 (+7.18%)
2025	$4,095.00 (+1.26%)	$421,300 (+1.37%) Land $118,200 Building $303,100
2024	$4,044.00 (+4.66%)	$415,600 (+13.89%) Land $112,500 Building $303,100	$448,305
2023	$3,864.00	$364,900 Land $100,500 Building $264,400

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% 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 537 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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