640 Washington St, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 640 Washington St, Gloucester, MA 01930

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,000 sqft · built 1959
Lot Size	0.131 acres (5,711 sqft)
Owner	2 Trust Names on File
Tax Bill	$13,258 (2026)
Deeds & Mortgages	Apr 2021 Refinance Nov 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0113 B:0004 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0113 B:0004 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	2,648 sqft
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Unfinished Basement	384 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,711 sqft (0.131 acres)
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	640 WASHINGTON ST
City	GLOUCESTER
State	MA
Zip	01930-1745
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	2
Census Block	2019
Census Tract	221100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 6009, GLOUCESTER, MA 01930-4709
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANKGLOUCESTER (GLOUCESTER COOP BANK)
Nov 26, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	640 WASHINGTON ST, GLOUCESTER, MA 01930-1745
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039787-125
Date	Apr 20, 2021
Book Page	39787/125
Instrument	20210420007840

Lender

Name	BANKGLOUCESTER (GLOUCESTER COOP BANK)

Agreement

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

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GLOUCESTER MA
Recording Date	Nov 26, 2018
Property Address	640 WASHINGTON ST, GLOUCESTER, MA 01930-1745
Document Number	37172-447
Book / Page	037172 / 000447
Instrument Date	Oct 27, 2018
Instrument	1126001080
Transaction Type	Transfer
Record Updated	Dec 18, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6009 GLOUCESTER MA 019304709, GLOUCESTER, MA 01930-4709

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	$13,258.00 (+3.24%)	$1,424,100 (+7.79%) Land $1,073,700 Building $350,400	$1,012,162
2025	$12,842.00 (+4.06%)	$1,321,200 (+4.17%) Land $994,300 Building $326,900
2024	$12,341.00	$1,268,300 Land $946,600 Building $321,700

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 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

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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