10 River Rd, Orleans, MA 02653 Property Records

Barnstable County and Orleans Town property record for 10 River Rd, Orleans, MA 02653

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,670 sqft · built 2015
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Trust Names on File
Last Sale	$520,000 (Mar 2017)
Tax Bill	$4,705 (2025)
Deeds & Mortgages	May 2022 Refinance Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11409`

Property Details

APN / Parcel Number

Primary APN	`11409`
Alternative APN	`ORLE M:035.0 B:0117 L:0001.0`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,670 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	20,038 sqft (0.46 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	11409
Street Address	10 RIVER RD
City	ORLEANS
State	MA
Zip	02653-3621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	117
Legal Lot Number	1.0
Jurisdiction	ORLEANS MA
Township / Civil Division	ORLEANS
Census Block Group	3
Census Block	3005
Census Tract	10500

Owner

10 River Rd is owner-occupied and held in a trust since July 2025.

Source: Barnstable County and Orleans Town records, as of July 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	10 RIVER RD, ORLEANS, MA 02653-3621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

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

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Oct 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SEAMENS SAVINGS BANK
Mar 31, 2017	Quit Claim Deed, Transfer SEAMANS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Deed Book / Page	30391 / 192
Last Transfer Date	Jul 21, 2025
Transfer Doc	037089-202
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORLEANS MA
Property Address	10 RIVER RD, ORLEANS, MA 02653-3621
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035094-157
Date	May 4, 2022
Book Page	35094/157
Instrument	23143

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORLEANS MA
Property Address	10 RIVER RD, ORLEANS, MA 02653-3621
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	033405-207
Date	Oct 28, 2020
Book Page	33405/207
Instrument	59234

Lender

Name	SEAMENS SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORLEANS MA
Recording Date	Mar 31, 2017
Property Address	10 RIVER RD, ORLEANS, MA 02653-3621
Document Number	030391-192
Book / Page	30391 / 192
Instrument	15662
Transaction Type	Transfer
Record Updated	Dec 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23.58
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0303910194
Date	Mar 31, 2017
Instrument	30391/0194

Lender

Name	SEAMANS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 31, 2047

Interest

Rate	3%
Max Rate At Change	40.1%
Max Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 10 River Rd was $4,705, up 0.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Orleans Town
Secondary School District	Nauset School District (06 - 12)
Elementary School District	Orleans School District (KG - 05)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,705.00 (+0.56%)	$754,000 (+3.29%) Land $316,300 Building $437,700	$1,204,695
2024	$4,679.00 (+10.48%)	$730,000 (+7.38%) Land $310,100 Building $419,900
2023	$4,235.00	$679,800 Land $287,100 Building $392,700

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

Flood

FEMA maps place 10 River Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1990.

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
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	9 (1990–2017)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Aug 2017 · rainfall accumulation
Claims by Event	Winter Coastal Storm, Dec 1992 · 3 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

Wildfire risk around 10 River 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 97% of the US · lower than 94% 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	ORLEANS WATER DEPARTMENT serves 17,460 people · EPA ID MA4224000
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	Under 1 ppb (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	30 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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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