10 Penelope Ln, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 10 Penelope Ln, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,221 sqft · built 2000
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$387,000 (Sep 2017)
Tax Bill	$4,752 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`COTU M:039 L:051`

Property Details

APN / Parcel Number

Primary APN	`COTU M:039 L:051`
Alternative APN	`23307`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,221 sqft Living Area
Gross Area	3,604 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	23307
Street Address	10 PENELOPE LN
City	COTUIT
State	MA
Zip	02635-2609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	51
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	2
Census Block	2038
Census Tract	13200

Owner

Source: Barnstable County and Barnstable Town 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	Individual Name on Record
Mailing Address	10 PENELOPE LN, COTUIT, MA 02635-2609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Sep 27, 2017	Quit Claim Deed, Transfer · Conventional with PMI CAPE COD FIVE CENT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2017 · Amount on Record
Deed Sale	Sep 27, 2017 · Amount on Record
Prior Sale	Aug 18, 1999 · Amount on Record
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	10 PENELOPE LN, COTUIT, MA 02635-2609
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001471921
Date	Nov 30, 2022
Instrument	1471921

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	10 PENELOPE LN, COTUIT, MA 02635-2609
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001417733
Date	Jan 20, 2021
Instrument	1417733

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Sep 27, 2017
Property Address	10 PENELOPE LN, COTUIT, MA 02635-2609
Document Number	0000000710
Instrument Date	Sep 27, 2017
Instrument	710
Transaction Type	Transfer
Record Updated	Oct 17, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1101 BARNSTABLE MA 026302101, BARNSTABLE, MA 02630-2101

Mortgage

Document Number	711
Date	Sep 27, 2017
Instrument	711

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2047

Tax Assessment & Valuation

Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
Municipality	Barnstable Town City
Unified School District	Barnstable School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,752.00 (+10.03%)	$569,100 (+3.83%) Land $155,900 Building $413,200	$607,430
2024	$4,319.00 (+7.06%)	$548,100 (+13.71%) Land $155,900 Building $392,200
2023	$4,034.00	$482,000 Land $141,700 Building $340,300

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 October 1, 2026 · 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1978)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow

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 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	COTUIT FIRE DISTRICT WATER DEPARTMENT serves 4,938 people · EPA ID MA4020003
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	3 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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