55 Gray St, Boston, MA 02116 Property Records

Suffolk County and Boston City property record for 55 Gray St, Boston, MA 02116

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,164 sqft · built 1865
Lot Size	0.017 acres (720 sqft)
Owner	Individual Name on Record
Last Sale	$2,500,000 (Dec 2021)
Tax Bill	$25,735 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CBOS W:05 P:00886 S:000`

Property Details

APN / Parcel Number

Primary APN	`CBOS W:05 P:00886 S:000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,164 sqft Living Area
Gross Area	2,280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1865
Effective Year Built	Effective 2018
Architectural Style	Other
Exterior Material	Brick
Roof Type	Mansard
Roof Material	Slate
Lot Area	720 sqft (0.017 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Street Address	55 GRAY ST
City	BOSTON
State	MA
Zip	02116-6209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	BOSTON MA
Township / Civil Division	BOSTON
Census Block Group	2
Census Block	2004
Census Tract	70301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South End District (Boundary Increase II) listed 2025 · 8 contributing resources · NRIS 73000324

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Suffolk County and Boston City records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	55 GRAY ST, BOSTON, MA 02116-6209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK
May 15, 2017	Deed of Trust, Mortgage · ARM HINGHAM INSTITUTION FOR SAVINGS
Apr 27, 2020	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Jan 17, 2018	Quit Claim Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2021 · Amount on Record
Deed Sale	Dec 17, 2021 · Amount on Record
Prior Sale	Jan 17, 2018 · Amount on Record
Deed Book / Page	66874 / 234
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOSTON MA
Recording Date	Dec 17, 2021
Property Address	55 GRAY ST, BOSTON, MA 02116-6209
Document Number	066874-234
Book / Page	66874 / 234
Instrument Date	Dec 17, 2021
Instrument	136730
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	55 GRAY ST, BOSTON, MA 02116-6209
Investor	Possibly a Property Investor

Mortgage

Document Number	0000136731
Date	Dec 17, 2021
Instrument	136731

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOSTON MA
Property Address	55 GRAY ST, BOSTON, MA 02116-6209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57933-79
Date	May 15, 2017
Book Page	57933/79
Instrument	41237

Lender

Name	HINGHAM INSTITUTION FOR SAVINGS
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Margin	4

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOSTON MA
Property Address	55 GRAY ST, BOSTON, MA 02116-6209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62896-325
Date	Apr 27, 2020
Book Page	62896/325
Instrument	32515

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	May 1, 2027

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOSTON MA
Recording Date	Jan 17, 2018
Property Address	55 GRAY ST, BOSTON, MA 02116-6209
Document Number	59071-105
Book / Page	059071 / 000105
Instrument Date	Jan 9, 2018
Instrument	3968
Transaction Type	Transfer
Record Updated	Mar 5, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,322.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 GRAY ST BOSTON MA 021166209, BOSTON, MA 02116-6209

Mortgage

Document Number	59071-108
Date	Jan 17, 2018
Book Page	059071/000108
Instrument	3969

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2048

Interest

Rate	3.25%

Tax Assessment & Valuation

Source: Suffolk County and Boston City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Suffolk County
Municipality	Boston City
Unified School District	Boston School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$25,735.00 (+15.73%)	$2,222,400 (+8.94%) Land $552,500 Building $1,669,900	$3,035,725 (+4.34%)
2024	$22,237.00 (+5.55%)	$2,040,100 (+4%) Land $486,000 Building $1,554,100	$2,909,375
2023	$21,068.00	$1,961,600 Land $467,300 Building $1,494,300

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 January 21, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 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	Not rated no burnable land within 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	BOSTON WATER AND SEWER COMMISSION (MWRA) serves 675,647 people · EPA ID MA3035000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 2026
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement currently in violation since Nov 2020
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 733 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Netafy Fixed Wireless	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Starry.

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