Essex County and Gloucester City property record for 78 Centennial Ave, Gloucester, MA 01930
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 753 sqft · built 1900 |
| Lot Size | 0.045 acres (1,956 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $532,500 (May 2025) |
| Tax Bill | $4,160 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Aug 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GLOU M:0018 B:0027 L:0000 |
| Primary APN | GLOU M:0018 B:0027 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 753 sqft Living Area |
| Gross Area | 1,841 sqft |
| 1st Floor Area | 510 sqft |
| Basement Area | 486 sqft |
| Unfinished Basement | 486 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,956 sqft (0.045 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 78 CENTENNIAL AVE |
|---|---|
| City | GLOUCESTER |
| State | MA |
| Zip | 01930-2549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Block | 27 |
| Jurisdiction | GLOUCESTER MA |
| Township / Civil Division | GLOUCESTER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 221700 |
Source: Essex County and Gloucester 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 78 CENTENNIAL AVE, GLOUCESTER, MA 01930-2549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 9, 2024 | Deed of Trust, Mortgage · Line of Credit BANKGLOUCESTER (GLOUCESTER COOP BANK) |
| Aug 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| May 2, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Oct 31, 2018 | Quit Claim Deed, Transfer · Conventional with PMI BANKGLOUCESTER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2025 · Amount on Record |
| Deed Sale | May 2, 2025 · Amount on Record |
| Prior Sale | Oct 31, 2018 · Amount on Record |
| Deed Book / Page | 42695 / 524 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 78 CENTENNIAL AVE, GLOUCESTER, MA 01930-2549 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 042059-152 |
|---|---|
| Date | Apr 9, 2024 |
| Book Page | 42059/152 |
| Instrument | 20240409000200 |
| Name | BANKGLOUCESTER (GLOUCESTER COOP BANK) |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Property Address | 78 CENTENNIAL AVE, GLOUCESTER, MA 01930-2549 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 040135-589 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 40135/589 |
| Instrument | 20210802001980 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | May 2, 2025 |
| Property Address | 78 CENTENNIAL AVE, GLOUCESTER, MA 01930-2549 |
| Document Number | 042695-524 |
| Book / Page | 42695 / 524 |
| Instrument Date | May 2, 2025 |
| Instrument | 20250502001430 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 78 CENTENNIAL AVE, GLOUCESTER, MA 01930-2549 |
| Document Number | 20250502001440 |
|---|---|
| Date | May 2, 2025 |
| Instrument | 20250502001440 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.63% |
| Type Change Date | Jun 1, 2032 |
| Max Rate At Change | 2.75% |
| Index | Other |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GLOUCESTER MA |
| Recording Date | Oct 31, 2018 |
| Property Address | 78 CENTENNIAL AVE, GLOUCESTER, MA 01930-2549 |
| Document Number | 37120-153 |
| Book / Page | 037120 / 000153 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 31001530 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,231.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 CENTENNIAL AVE GLOUCESTER MA 019302549, GLOUCESTER, MA 01930-2549 |
| Document Number | 37120-156 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 037120/000156 |
| Instrument | 31001540 |
| Name | BANKGLOUCESTER |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2048 |
| Rate | 4.38% |
|---|
Source: Essex County and Gloucester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Gloucester City |
| Unified School District | Gloucester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,160.00 (+1.34%) | $428,000 (+1.45%) Land $128,700 Building $299,300 | $502,170 |
| 2024 | $4,105.00 (+8.86%) | $421,900 (+18.48%) Land $122,600 Building $299,300 | |
| 2023 | $3,771.00 | $356,100 Land $109,500 Building $246,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 8 (2007–2018) |
| Most Recent Claim | Jan 2018 · tidal / storm surge |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 896 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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