545 Washington St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 545 Washington St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,550 sqft · built 1960
Lot Size	0.298 acres (13,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,856 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Sep 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0111 B:0004 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0111 B:0004 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,550 sqft Living Area
Gross Area	4,938 sqft
1st Floor Area	1,214 sqft
Attic	Attic
Attic Area	1,147 sqft
Basement Area	1,174 sqft
Unfinished Basement	1,174 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,000 sqft (0.298 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	545 WASHINGTON ST
City	GLOUCESTER
State	MA
Zip	01930-1751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Block	4
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	3
Census Block	3007
Census Tract	221100

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 Individual Names on Record
Mailing Address	545 WASHINGTON ST, GLOUCESTER, MA 01930-1751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Line of Credit CAPE ANN SAVINGS BANK
Sep 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE ANN SAVINGS BANK
May 14, 2019	Deed of Trust, Mortgage · ARM CAPE ANN SAVINGS BANK
Aug 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANKGLOUCESTER
Aug 18, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	545 WASHINGTON ST, GLOUCESTER, MA 01930-1751
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40349-407
Date	Oct 5, 2021
Book Page	40349/407
Instrument	20211005001600

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	545 WASHINGTON ST, GLOUCESTER, MA 01930-1751
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40327-576
Date	Sep 29, 2021
Book Page	40327/576
Instrument	20210929003480

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	545 WASHINGTON ST, GLOUCESTER, MA 01930-1751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37508-254
Date	May 14, 2019
Book Page	37508/254
Instrument	20190514003070

Lender

Name	CAPE ANN SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	May 1, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	545 WASHINGTON ST, GLOUCESTER, MA 01930-1751
Document Number	36124-102
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36124-102
Date	Aug 24, 2017
Book Page	036124/000102
Instrument	1708240143

Lender

Name	BANKGLOUCESTER
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Aug 18, 2017
Property Address	545 WASHINGTON ST, GLOUCESTER, MA 01930-1751
Document Number	36110-231
Book / Page	036110 / 000231
Instrument Date	Aug 17, 2017
Instrument	1708180134
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	545 WASHINGTON ST GLOUCESTER MA 019301751, GLOUCESTER, MA 01930-1751

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	$6,856.00 (+3.58%)	$736,400 (+8.14%) Land $209,600 Building $526,800	$950,326 (+14.89%)
2025	$6,619.00 (-3.64%)	$681,000 (-3.54%) Land $194,100 Building $486,900
2024	$6,869.00 (+4.3%)	$706,000 (+13.52%) Land $184,800 Building $521,200	$827,165
2023	$6,586.00	$621,900 Land $165,000 Building $456,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 146 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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