46 Commercial St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 46 Commercial St, Gloucester, MA 01930

Property Summary

Property Type	Mixed Use Commercial/Industrial
Details	1 ba · 2,590 sqft · built 1978
Lot Size	0.287 acres (12,500 sqft)
Owner	Company Name on File
Tax Bill	$1,392 (2026)
Deeds & Mortgages	Jun 2022 Refinance Jun 2022 Refinance
Flood Zone	Zone AE (high risk)
APN	`GLOU M:0001 B:0015 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0001 B:0015 L:0000`

Interior

Full Baths	1 Bath
Building Area	2,590 sqft Garage

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Roof Material	Galvanized Metal
Lot Area	12,500 sqft (0.287 acres)
Boat Access	Boat Access
Total Buildings	2 Buildings

Location & Zoning

Street Address	46 COMMERCIAL ST
City	GLOUCESTER
State	MA
Zip	01930-5023
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Commercial/Industrial
Local Zoning Code	MI
Legal Subdivision	GLOUCESTER
Legal Block	15
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2003
Census Tract	221500

Owner

46 Commercial St, a commercial property, is owned by a company that acquired it in June 2008.

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

Owner of Record	Company Name on File
Mailing Address	9 BLACKBURN DR, GLOUCESTER, MA 01930-2237
Owner Type	Company
Vesting	Company

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 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANKGLOUCESTER (GLOUCESTER COOP BANK)
Jun 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANKGLOUCESTER (GLOUCESTER COOP BANK)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2008
Deed Sale	Jun 13, 2008
Prior Sale	Mar 14, 2008 · Amount on File
Deed Book / Page	27846 / 197
Transfer Doc	2337000159
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	46 COMMERCIAL ST, GLOUCESTER, MA 01930-5023
Transaction Type	Mortgage
Record Updated	Jun 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00040978-1
Date	Jun 3, 2022
Book Page	40978/1
Instrument	20220603001350

Lender

Name	BANKGLOUCESTER (GLOUCESTER COOP BANK)

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	46 COMMERCIAL ST, GLOUCESTER, MA 01930-5023
Transaction Type	Mortgage
Record Updated	Jun 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040978-29
Date	Jun 3, 2022
Book Page	40978/29
Instrument	20220603001380

Lender

Name	BANKGLOUCESTER (GLOUCESTER COOP BANK)

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 46 Commercial St was $1,392, down 84.8% 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
2026	$1,392.00 (-84.81%)	$144,800 (-84.13%) Building $144,800
2025	$9,163.00	$912,600 (+2.86%) Land $502,200 Building $410,400
2024		$887,200 (+6.7%) Land $478,200 Building $409,000
2023		$831,500 Land $427,100 Building $404,400
2020	$9,210.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 46 Commercial St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 33 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	42 units insured incl. 9 condo units
Nearby Flood Claims	13 (1987–2020)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Coastal Storm, Oct 1991 · 3 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

Wildfire risk around 46 Commercial St 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 95% of the US · lower than 90% 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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