45 2 Penny Ln, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 45 2 Penny Ln, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,600 sqft · built 1964
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Trust Names on File
Tax Bill	$38,974 (2026)
Deeds & Mortgages	Jun 2022 Transfer Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0259 B:0001 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0259 B:0001 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	2,459 sqft
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	108,900 sqft (2.5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	45 2 PENNY LN
City	GLOUCESTER
State	MA
Zip	01930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Subdivision	GLOUCESTER
Legal Block	1
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3017
Census Tract	221902

Owner

45 2 Penny Ln is held in a trust since June 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	160 PEACH CT, MARCO ISLAND, FL 34145-4727
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 16, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 17, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 15, 2022
Transfer Doc	041005-540
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Jun 16, 2022
Property Address	45 2 PENNY LN, GLOUCESTER, MA 01930-1447
Document Number	041005-540
Book / Page	41005 / 540
Instrument Date	Jun 15, 2022
Instrument	20220616002340
Transaction Type	Transfer
Record Updated	Jul 1, 2022

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	53 STATE ST, BOSTON, MA 02109-2820

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Sep 17, 2021
Property Address	45 2 PENNY LN, GLOUCESTER, MA 01930-1447
Document Number	40287-365
Book / Page	40287 / 365
Instrument Date	Sep 21, 2020
Instrument	20210917002160
Transaction Type	Transfer
Record Updated	Oct 1, 2021

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	1 INTERNATIONAL PL STE 840, 840, BOSTON, MA 02110-2604

Tax Assessment & Valuation

The 2026 property tax bill for 45 2 Penny Ln was $38,974, up 3.3% 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	$38,974.00 (+3.33%)	$4,186,200 (+7.88%) Land $3,680,300 Building $505,900	$2,667,366 (-24.87%)
2025	$37,717.00 (+4.47%)	$3,880,300 (+4.58%) Land $3,409,200 Building $471,100	$3,550,340
2024	$36,103.00	$3,710,500 Land $3,246,800 Building $463,700

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

Flood

FEMA maps place 45 2 Penny Ln 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 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

Wildfire risk around 45 2 Penny Ln 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 2 Penny Ln

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