4 Howard Rd, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 4 Howard Rd, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,926 sqft · built 1992
Lot Size	0.23 acres (10,001 sqft)
Owner	Trust Name on File
Last Sale	$45,000 (Aug 1992)
Tax Bill	$7,767 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0099 B:0070 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0099 B:0070 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,926 sqft Living Area
Gross Area	4,192 sqft
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 HOWARD RD
City	GLOUCESTER
State	MA
Zip	01930-1713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Subdivision	GLOUCESTER
Legal Block	70
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	1
Census Block	1006
Census Tract	221800

Owner

4 Howard Rd is owner-occupied and held in a trust since October 2023.

Source: Essex County and Gloucester City records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	4 HOWARD RD, GLOUCESTER, MA 01930-1713
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · ARM
Oct 27, 2023	Quit Claim Deed, Transfer Quitclaim
May 3, 2017	Deed of Trust, Mortgage BANK RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 1992 · Amount on File
Deed Sale	Aug 14, 1992 · Amount on File
Deed Book / Page	11432 / 115
Last Transfer Date	Oct 24, 2023
Transfer Doc	041829-177
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Recording Date	Jun 24, 2026
Property Address	4 HOWARD RD, GLOUCESTER, MA 01930-1713
Document Number	0000001200
Book / Page	43462 / 139
Instrument Date	Jun 19, 2026
Instrument	20261200
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001200,
Date	Jun 24, 2026
Book Page	43462/139
Instrument	20261200

Lender

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Type Change Date	Jul 1, 2031
Index	Other
Margin	3
Max Rate	-1%

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Oct 27, 2023
Property Address	4 HOWARD RD, GLOUCESTER, MA 01930-1713
Document Number	041829-177
Book / Page	41829 / 177
Instrument Date	Oct 24, 2023
Instrument	20231027001730
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 HOWARD RD, GLOUCESTER, MA 01930-1713

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	4 HOWARD RD, GLOUCESTER, MA 01930-1713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35840-14
Date	May 3, 2017
Book Page	35840/14
Instrument	30

Lender

Name	BANK RHODE ISLAND
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 4 Howard Rd was $7,767, up 3.8% from the year before.

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	$7,767.00 (+3.77%)	$834,300 (+8.34%) Land $264,700 Building $569,600	$899,604
2025	$7,485.00 (+1.44%)	$770,100 (+1.54%) Land $245,100 Building $525,000
2024	$7,379.00 (+4.31%)	$758,400 (+13.53%) Land $233,400 Building $525,000	$813,675
2023	$7,074.00	$668,000 Land $208,400 Building $459,600

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

Flood

FEMA maps place 4 Howard Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 15 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (1987–2018)
Most Recent Claim	Jan 2018 · tidal / storm surge

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

Wildfire risk around 4 Howard Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% 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.

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 327 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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