5 Michaels Ln, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 5 Michaels Ln, Gloucester, MA 01930

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 2,478 sqft · built 1974
Lot Size	0.587 acres (25,556 sqft)
Owner	2 Trust Names on Record
Last Sale	$630,000 (Sep 2019)
Tax Bill	$9,149 (2026)
Deeds & Mortgages	Jun 2021 Refinance Aug 2024 Refinance + 6 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0076 B:0090 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0076 B:0090 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	2,478 sqft Living Area
Gross Area	5,432 sqft
1st Floor Area	1,782 sqft
Basement Area	1,418 sqft
Unfinished Basement	1,418 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,556 sqft (0.587 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	5 MICHAELS LN
City	GLOUCESTER
State	MA
Zip	01930-4270
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-20
Legal Block	90
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	1
Census Block	1006
Census Tract	221300

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	5 MICHAELS LN, GLOUCESTER, MA 01930-4270
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK
Aug 30, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK
Mar 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPE ANN SVGS BK
Sep 3, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 3, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CAPE ANN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2019 · Amount on Record
Deed Sale	Sep 3, 2019 · Amount on Record
Prior Sale	Dec 19, 2006 · Amount on Record
Deed Document Number	2019605142
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	5 MICHAELS LN, GLOUCESTER, MA 01930-4270
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000625672
Date	Jun 1, 2021
Instrument	625672

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	5 MICHAELS LN, GLOUCESTER, MA 01930-4270
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000653380
Date	Aug 30, 2024
Instrument	653380

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2049

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	5 MICHAELS LN, GLOUCESTER, MA 01930-4270
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000631397
Date	Nov 22, 2021
Instrument	631397

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	5 MICHAELS LN, GLOUCESTER, MA 01930-4270
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	631397
Date	Nov 22, 2021
Instrument	631397

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	5 MICHAELS LN, GLOUCESTER, MA 01930-4270
Transaction Type	Mortgage
Record Updated	Jun 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	625672
Date	Jun 1, 2021
Instrument	625672

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	5 MICHAELS LN, GLOUCESTER, MA 01930-4270
Document Number	0000610669
Instrument Date	Mar 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 MICHAELS LN GLOUCESTER MA 019304270, GLOUCESTER, MA 01930-4270

Mortgage

Document Number	0000610669
Date	Mar 12, 2020
Instrument	610669

Lender

Name	CAPE ANN SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 11, 2030

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Sep 3, 2019
Property Address	5 MICHAELS LN, GLOUCESTER, MA 01930-4270
Document Number	0000605152
Instrument Date	Sep 3, 2019
Instrument	605152
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5 MICHAELS LN GLOUCESTER MA 019304270, GLOUCESTER, MA 01930-4270

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Sep 3, 2019
Property Address	5 MICHAELS LN, GLOUCESTER, MA 01930-4270
Document Number	0000605142
Instrument Date	Aug 6, 2019
Instrument	605142
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,872.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MONTVALE AVE GLOUCESTER MA 019301827, GLOUCESTER, MA 01930-1827

Mortgage

Document Number	605143
Date	Sep 3, 2019
Instrument	605143

Lender

Name	CAPE ANN SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

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	$9,149.00 (+8.37%)	$982,700 (+13.15%) Land $316,400 Building $666,300	$898,550
2025	$8,442.00 (+1.54%)	$868,500 (+1.64%) Land $293,000 Building $575,500
2024	$8,314.00	$854,500 Land $279,000 Building $575,500

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
Flood Insurance Cost	Premium on Record median of 30 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	51 units insured incl. 21 condo units
Nearby Flood Claims	7 (1984–2018)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2018 · other causes
Claims by Event	Coastal Storm, Oct 1991 · 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% 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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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