Essex County and Gloucester City property record for 45 Bray St, Gloucester, MA 01930
| Property Type | Unusable Land (Remnant, Steep, Etc.) |
|---|---|
| Lot Size | 0.521 acres (22,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Sep 2016) |
| Tax Bill | $191 (2025) |
| Deeds & Mortgages | Jan 2024 Refinance Mar 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0240 B:0045 L:0000 |
| Primary APN | GLOU M:0240 B:0045 L:0000 |
|---|
| Lot Area | 22,700 sqft (0.521 acres) |
|---|
| Street Address | 45 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 | 45 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 221902 |
Source: Essex County and Gloucester City records · APN GLOU M:0240 B:0045 L:0000
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 47 BRAY ST, GLOUCESTER, MA 01930-1533 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 03, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Mar 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Nov 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 27, 2016 · Amount on Record |
| Deed Sale | Sep 27, 2016 · Amount on Record |
| Prior Sale | Apr 24, 2014 · Amount on Record |
| Deed Book / Page | 35299 / 38 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 45 BRAY ST, GLOUCESTER, MA 01930-1533 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041935-136 |
|---|---|
| Date | Jan 03, 2024 |
| Book Page | 41935/136 |
| Instrument | 20240103000050 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Feb 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 45 BRAY ST, GLOUCESTER, MA 01930-1533 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040802-273 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 40802/273 |
| Instrument | 20220321000430 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 45 BRAY ST, GLOUCESTER, MA 01930-1533 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38060-599 |
|---|---|
| Date | Nov 26, 2019 |
| Book Page | 38060/599 |
| Instrument | 20191126000060 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
Source: Essex County and Gloucester City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Gloucester City |
| Unified School District | Gloucester School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $191.00 (+4.37%) | $19,700 (+4.79%) Land $19,700 |
| 2024 | $183.00 (+2.81%) | $18,800 (+11.9%) Land $18,800 |
| 2023 | $178.00 | $16,800 Land $16,800 |
Source: FEMA National Flood Hazard Layer as of July 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
Based on FCC filings for 30 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GLOUCESTER PUBLIC UTILITY DIVISION serves 37,440 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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