Essex County and Gloucester City property record for 432 Washington St, Gloucester, MA 01930
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,507 sqft · built 1900 |
| Lot Size | 0.204 acres (8,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Jun 2021) |
| Tax Bill | $8,147 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Jan 2024 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0109 B:0017 L:0000 |
| Primary APN | GLOU M:0109 B:0017 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,507 sqft Living Area |
| Gross Area | 2,882 sqft |
| 1st Floor Area | 746 sqft |
| Attic | Attic |
| Attic Area | 634 sqft |
| Basement Area | 634 sqft |
| Unfinished Basement | 634 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,900 sqft (0.204 acres) |
| Deck Area | Deck Area |
| Boat Access | Boat Access |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 432 WASHINGTON ST |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-1857 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Block | 17 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 221100 |
432 Washington St is owned and occupied by two individuals who bought it in June 2021.
Source: Essex County and Gloucester City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 432 WASHINGTON ST, GLOUCESTER, MA 01930-1857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage HAVERHILL, CITY OF |
| Jan 3, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED STATES SMALL BUSINESS ADMIN |
| Jun 16, 2021 | Deed, Transfer · Stand-Alone First Mortgage PENTUCKET BANK |
| Jan 2, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2021 · Amount on File |
| Deed Sale | Jun 16, 2021 · Amount on File |
| Prior Sale | Sep 15, 2017 · Amount on File |
| Deed Book / Page | 39985 / 107 |
| Prior Transfer Date | Dec 23, 2019 |
| Prior Transfer Doc | 38168-105 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 432 WASHINGTON ST, GLOUCESTER, MA 01930-1857 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039985-176 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 39985/176 |
| Instrument | 20210616001730 |
| Name | HAVERHILL, CITY OF |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Property Address | 432 WASHINGTON ST, GLOUCESTER, MA 01930-1857 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041935-511 |
|---|---|
| Date | Jan 3, 2024 |
| Book Page | 41935/511 |
| Instrument | 20240103001060 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 169 Months |
| Due | Feb 1, 2038 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HAVERHILL MA |
| Recording Date | Jun 16, 2021 |
| Property Address | 432 WASHINGTON ST, GLOUCESTER, MA 01930-1857 |
| Document Number | 039985-107 |
| Book / Page | 39985 / 107 |
| Instrument Date | Jun 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 LOCKE ST, HAVERHILL, MA 01830-5501 |
| Document Number | 0039985129 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 39985/129 |
| Name | PENTUCKET BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 039985-148 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 39985/148 |
| Instrument | 20210616001690 |
| Name | BREAD & ROSES HOUSING INC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | Jan 2, 2020 |
| Property Address | 432 WASHINGTON ST, GLOUCESTER, MA 01930-1857 |
| Document Number | 38168-105 |
| Book / Page | 038168 / 000105 |
| Instrument Date | Dec 23, 2019 |
| Instrument | 2003000 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 152 ASBURY ST HAMILTON MA 01936, HAMILTON, MA 01936 |
The 2026 property tax bill for 432 Washington St was $8,147, up 3.6% from the year before.
Source: Essex County and Gloucester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Gloucester City |
| Unified School District | Gloucester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,147.00 (+3.57%) | $875,100 (+8.13%) Land $494,000 Building $381,100 | $689,698 |
| 2025 | $7,866.00 (+2.68%) | $809,300 (+2.78%) Land $457,600 Building $351,700 | |
| 2024 | $7,661.00 | $787,400 Land $435,700 Building $351,700 | $684,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 432 Washington St in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 36 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 39 units insured incl. 3 condo units |
| Nearby Flood Claims | 27 (1978–2024) |
| Claims Outside the SFHA | 3 of 27 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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 risk around 432 Washington St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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