654 Western Ave, Gloucester, MA 01930 Property Records

Essex County and Gloucester City property record for 654 Western Ave, Gloucester, MA 01930 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,520 sqft · built 1931
Lot Size	0.346 acres (15,084 sqft)
Owner	2 Individual Names on File
Last Sale	$334,000 (Oct 2008)
Tax Bill	$6,799 (2025)
Deeds & Mortgages	Jul 2020 Refinance Feb 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GLOU M:0174 B:0017 L:0000`

Property Details

APN / Parcel Number

Primary APN	`GLOU M:0174 B:0017 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,520 sqft Living Area
Gross Area	2,552 sqft
1st Floor Area	896 sqft
Basement Area	720 sqft
Unfinished Basement	384 sqft

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,084 sqft (0.346 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	654 WESTERN AVE
City	GLOUCESTER
State	MA
Zip	01930-5123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	17
Jurisdiction	GLOUCESTER MA
Township / Civil Division	GLOUCESTER
Census Block Group	2
Census Block	2008
Census Tract	221901

Owner

Source: Essex County and Gloucester City records · APN GLOU M:0174 B:0017 L:0000

Assessment roll updated April 14, 2026 · Last verified July 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	654 WESTERN AVE, GLOUCESTER, MA 01930-5123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Feb 14, 2019	Deed of Trust, Mortgage · Line of Credit ALIGN CU
Jan 26, 2018	Deed of Trust, Mortgage · Line of Credit ALIGN CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 24, 2008 · Amount on Record
Deed Sale	Oct 24, 2008 · Amount on Record
Prior Sale	Dec 03, 2001 · Amount on Record
Deed Book / Page	28114 / 88
Transfer Doc	1354000538
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	654 WESTERN AVE, GLOUCESTER, MA 01930-5123
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38762-53
Date	Jul 29, 2020
Book Page	38762/53
Instrument	20200729000870

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	654 WESTERN AVE, GLOUCESTER, MA 01930-5123
Document Number	37358-427
Instrument Date	Feb 14, 2019
Transaction Type	Mortgage
Record Updated	Mar 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 WESTERN AVE GLOUCESTER MA 019305123, GLOUCESTER, MA 01930-5123

Mortgage

Document Number	37358-427
Date	Mar 01, 2019
Book Page	037358/000427
Instrument	1001540

Lender

Name	ALIGN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER MA
Property Address	654 WESTERN AVE, GLOUCESTER, MA 01930-5123
Document Number	36513-80
Book / Page	036513 / 000080
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	36513-80
Date	Feb 02, 2018
Book Page	036513/000080
Instrument	1802023410

Lender

Name	ALIGN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Essex County and Gloucester City records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,799.00 (+1.75%)	$699,500 (+1.86%) Land $267,100 Building $432,400
2024	$6,682.00 (+4.24%)	$686,700 (+13.45%) Land $254,300 Building $432,400	$570,950
2023	$6,410.00	$605,300 Land $227,200 Building $378,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (25009C), updated July 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250092219012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	33 (1978–2018)
Claims Outside the SFHA	17 of 33
Most Recent Claim	Mar 2018, tidal / storm surge, Severe Winter Storm And Flooding
Claims By Storm	Severe Storms And Flooding, Mar 2010 · 5 claims Coastal Storm, Oct 1991 · 8 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 5 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 179 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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