41 Bray St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 41 Bray St, Gloucester, MA 01930

Property Summary

Property Type	Unusable Land (Remnant, Steep, Etc.)
Lot Size	0.106 acres (4,600 sqft)
Owner	2 Trust Names on File
Last Sale	$567,000 (Jan 2014)
Tax Bill	$128 (2025)
Deeds & Mortgages	Oct 2022 Refinance Feb 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0240 B:0047 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0240 B:0047 L:0000`

Exterior

Lot Area	4,600 sqft (0.106 acres)

Location & Zoning

Street Address	41 BRAY ST
City	GLOUCESTER
State	MA
Zip	01930-1533
Property Category	Other
Property Type	Other > Unusable Land (Remnant, Steep, Etc.)
Local Zoning Code	R-40
Legal Block	47
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3032
Census Tract	221902

Owner

Source: Essex County and Gloucester City assessment roll, 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	2 Trust Names on File
Mailing Address	42 BRAY ST, GLOUCESTER, MA 01930-1555
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
Feb 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 17, 2014 · Amount on Record
Deed Sale	Jan 17, 2014 · Amount on Record
Deed Book / Page	33073 / 445
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	41 BRAY ST, GLOUCESTER, MA 01930-1533
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041255-259
Date	Oct 20, 2022
Book Page	41255/259
Instrument	20221020000320

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	41 BRAY ST, GLOUCESTER, MA 01930-1533
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38274-471
Date	Feb 20, 2020
Book Page	38274/471
Instrument	20200220001140

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$128.00 (+4.07%)	$13,200 (+4.76%) Land $13,200
2024	$123.00 (+3.36%)	$12,600 (+12.5%) Land $12,600
2023	$119.00	$11,200 Land $11,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 51 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2005

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 at the parcel

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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