635 Washington St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 635 Washington St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,429 sqft · built 1900
Lot Size	0.12 acres (5,237 sqft)
Owner	Individual Name on File
Last Sale	$372,500 (Nov 2012)
Tax Bill	$8,720 (2026)
Deeds & Mortgages	Aug 2024 Line of Credit Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0113 B:0029 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0113 B:0029 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,429 sqft Living Area
Gross Area	2,299 sqft
1st Floor Area	1,429 sqft
Basement Area	478 sqft
Unfinished Basement	128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,237 sqft (0.12 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	635 WASHINGTON ST
City	GLOUCESTER
State	MA
Zip	01930-1700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Block	29
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2020
Census Tract	221100

Owner

635 Washington St is owned and occupied by an individual who bought it in November 2012.

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

Owner of Record	Individual Name on File
Mailing Address	635 WASHINGTON ST, GLOUCESTER, MA 01930-1700
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 9, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA
Jul 12, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2012 · Amount on File
Deed Sale	Nov 9, 2012 · Amount on File
Prior Sale	Nov 25, 2011 · Amount on File
Deed Book / Page	31904 / 278
Transfer Doc	031904-278
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	635 WASHINGTON ST, GLOUCESTER, MA 01930-1700
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042262-486
Date	Aug 9, 2024
Book Page	42262/486
Instrument	20240809000230

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	635 WASHINGTON ST, GLOUCESTER, MA 01930-1700
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039745-322
Date	Apr 8, 2021
Book Page	39745/322
Instrument	20210408000720

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	635 WASHINGTON ST, GLOUCESTER, MA 01930-1700
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36011-416
Date	Jul 12, 2017
Book Page	36011/416
Instrument	36

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 635 Washington St was $8,720, up 3.2% 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	Assessed Market Value
2026	$8,720.00 (+3.24%)	$936,600 (+7.79%) Land $534,800 Building $401,800	$748,773
2025	$8,446.00 (+3.39%)	$868,900 (+3.49%) Land $495,100 Building $373,800
2024	$8,169.00 (+3.03%)	$839,600 (+12.14%) Land $471,600 Building $368,000	$701,385
2023	$7,929.00	$748,700 Land $402,400 Building $346,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 635 Washington St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 36 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	39 units insured incl. 3 condo units
Nearby Flood Claims	27 (1978–2024)
Claims Outside the SFHA	3 of 27
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Apr 2010 · 3 claims Coastal Storm, Oct 1991 · 3 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 5 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 635 Washington St is low, with 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 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 138 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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