10 Inca Rd, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 10 Inca Rd, Oak Bluffs, MA 02557

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,352 sqft · built 1988
Lot Size	0.23 acres (10,011 sqft)
Owner	2 Individual Names on File
Last Sale	$524,000 (Dec 2021)
Tax Bill	$4,868 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Dec 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0012 B:0127 L:016`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0012 B:0127 L:016`
Alternative APN	`2159`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	2,352 sqft Living Area
Gross Area	2,872 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2008
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,011 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	2159
Street Address	10 INCA RD
City	OAK BLUFFS
State	MA
Zip	02557-6965
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	127
Legal Lot Number	16
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	4
Census Block	4027
Census Tract	200200

Owner

10 Inca Rd, a duplex, is owned by two individuals who bought it in December 2021.

Source: Dukes County and Oak Bluffs Town 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 Individual Names on File
Mailing Address	PO BOX 1264, VINEYARD HAVEN, MA 02568-0903
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 20, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance 1ST NATIONAL BANK
Dec 14, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage 1ST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2021 · Amount on File
Deed Sale	Dec 14, 2021 · Amount on File
Deed Document Number	20219978
Deed Book / Page	1607 / 181
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	10 INCA RD, OAK BLUFFS, MA 02557-6965
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001706-890
Date	Apr 22, 2025
Book Page	1706/890
Instrument	1793

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	10 INCA RD, OAK BLUFFS, MA 02557-6965
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001671-116
Date	Dec 20, 2023
Book Page	1671/116
Instrument	6130

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Dec 14, 2021
Property Address	10 INCA RD, OAK BLUFFS, MA 02557-6965
Document Number	001607-181
Book / Page	1607 / 181
Instrument Date	Dec 14, 2021
Instrument	9978
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Amount	Amount on Record
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	10 INCA RD, OAK BLUFFS, MA 02557-6965

Mortgage

Document Number	0000009979
Date	Dec 14, 2021
Instrument	9979

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 10 Inca Rd was $4,868, up 1.5% from the year before.

Source: Dukes County and Oak Bluffs Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Oak Bluffs Town
Elementary School District	Oak Bluffs School District (PK - 08)
Secondary School District	Martha's Vineyard School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,868.00 (+1.48%)	$964,000 (+5.1%) Land $531,200 Building $432,800	$1,467,818
2024	$4,797.00 (-8.84%)	$917,200 (-7.97%) Land $482,700 Building $434,500
2023	$5,262.00	$996,600 Land $511,700 Building $484,900

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

Flood

FEMA maps place 10 Inca Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1992.

Source: FEMA National Flood Hazard Layer, effective February 7, 2025 · 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
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (1992)
Most Recent Claim	Dec 1992 · Winter Coastal Storm

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 10 Inca Rd is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OAK BLUFFS WATER DISTRICT serves 24,000 people · EPA ID MA4221000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 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 333 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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