42 Bray St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 42 Bray St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,601 sqft · built 1850
Lot Size	7.5 acres (326,700 sqft)
Owner	2 Trust Names on Record
Last Sale	$567,000 (Jan 2014)
Tax Bill	$8,732 (2026)
Deeds & Mortgages	Oct 2022 Refinance Aug 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0240 B:0042 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0240 B:0042 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,601 sqft Living Area
Gross Area	2,655 sqft
1st Floor Area	1,547 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	326,700 sqft (7.5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	42 BRAY ST
City	GLOUCESTER
State	MA
Zip	01930-1555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Subdivision	PROPERTY GLOUCESTER
Legal Block	42
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2000
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 Trust Names on Record
Mailing Address	42 BRAY ST, GLOUCESTER, MA 01930-1555
Occupancy	Owner Occupied
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
Aug 28, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2014 · Amount on Record
Deed Sale	Jan 17, 2014 · Amount on Record
Deed Book / Page	33073 / 445
Last Transfer Date	Aug 24, 2023
Transfer Doc	041731-493
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	42 BRAY ST, GLOUCESTER, MA 01930-1555
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

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Aug 28, 2023
Property Address	42 BRAY ST, GLOUCESTER, MA 01930-1555
Document Number	041731-493
Book / Page	41731 / 493
Instrument Date	Aug 24, 2023
Instrument	20230828000120
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	42 BRAY ST, GLOUCESTER, MA 01930-1555

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	42 BRAY ST, GLOUCESTER, MA 01930-1555
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	Assessed Market Value
2026	$8,732.00 (+4.8%)	$937,900 (+9.41%) Land $408,000 Building $529,900	$1,027,903 (+2.6%)
2025	$8,332.00 (+2.06%)	$857,200 (+2.16%) Land $378,000 Building $479,200
2024	$8,164.00 (+3.87%)	$839,100 (+13.06%) Land $359,900 Building $479,200	$1,001,870
2023	$7,860.00	$742,200 Land $321,500 Building $420,700

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	13 (1978–2007)
Claims Outside the SFHA	6 of 13
Most Recent Claim	Feb 2007 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, May 2006 · 3 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 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 67% of the US · above 98.2% 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 30 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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