4 Cross St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 4 Cross St, Gloucester, MA 01930

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 2,185 sqft · built 1900
Lot Size	0.078 acres (3,376 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Feb 2023)
Tax Bill	$4,628 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jan 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0050 B:0015 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0050 B:0015 L:0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Units	3 Units
Stories	2 Stories
Building Area	2,185 sqft Living Area
Gross Area	4,068 sqft
1st Floor Area	1,062 sqft
Attic	Attic
Attic Area	936 sqft
Basement Area	1,062 sqft
Unfinished Basement	1,062 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,376 sqft (0.078 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	4 CROSS ST
City	GLOUCESTER
State	MA
Zip	01930-3377
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R-5
Legal Block	15
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3003
Census Tract	221400

Owner

Source: Essex County and Gloucester City records, as of April 14, 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	4 CROSS ST, GLOUCESTER, MA 01930-3377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LOANDEPOT.COM LLC
Jan 3, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 5, 2017	Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL GRP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2023 · Amount on Record
Deed Sale	Feb 3, 2023 · Amount on Record
Prior Sale	Aug 26, 2003
Deed Document Number	20232040
Deed Book / Page	41426 / 384
Record Updated	Jun 8, 2026

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Feb 3, 2023
Property Address	4 CROSS ST, GLOUCESTER, MA 01930-3377
Document Number	041426-384
Book / Page	41426 / 384
Instrument Date	Feb 3, 2023
Instrument	20230203002040
Transaction Type	Transfer
Record Updated	Feb 17, 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	4 CROSS ST, GLOUCESTER, MA 01930-3377

Mortgage

Document Number	230203002050
Date	Feb 3, 2023
Instrument	230203002050

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jan 3, 2022
Property Address	4 CROSS ST, GLOUCESTER, MA 01930-3377
Document Number	040628-547
Book / Page	40628 / 547
Instrument Date	Dec 10, 2021
Instrument	20220103001480
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 BROOKS RD, GLOUCESTER, MA 01930-1504

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	4 CROSS ST, GLOUCESTER, MA 01930-3377
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35997-569
Date	Jul 5, 2017
Book Page	35997/569
Instrument	283

Lender

Name	INTERCONTINENTAL GRP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2042

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
2025	$4,628.00 (+5.64%)	$476,100 (+5.73%) Land $126,100 Building $350,000
2024	$4,381.00 (-3.46%)	$450,300 (+5.09%) Land $120,100 Building $330,200
2023	$4,538.00	$428,500 Land $107,200 Building $321,300

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (1979–2024)
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 2 claims Coastal Storm, Oct 1991 · 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	0.01% 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 555 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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