51 Bray St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 51 Bray St, Gloucester, MA 01930

Property Summary

Property Type	Unusable Land (Remnant, Steep, Etc.)
Lot Size	0.654 acres (28,500 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Sep 2016)
Tax Bill	$194 (2025)
Deeds & Mortgages	Jan 2024 Refinance Nov 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0240 B:0043 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0240 B:0043 L:0000`

Exterior

Lot Area	28,500 sqft (0.654 acres)

Location & Zoning

Street Address	51 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	43
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3032
Census Tract	221902

Owner

Source: Essex County and Gloucester City assessment roll, as of April 14, 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

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	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

Assessor's Deed Record

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 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	51 BRAY ST, GLOUCESTER, MA 01930-1533
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041935-136
Date	Jan 3, 2024
Book Page	41935/136
Instrument	20240103000050

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	289 Months
Due	Feb 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	51 BRAY ST, GLOUCESTER, MA 01930-1533
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38060-599
Date	Nov 26, 2019
Book Page	38060/599
Instrument	20191126000060

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 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
2025	$194.00 (+4.86%)	$20,000 (+5.26%) Land $20,000
2024	$185.00 (+2.78%)	$19,000 (+11.76%) Land $19,000
2023	$180.00	$17,000 Land $17,000

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.

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

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 30 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Bray St

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