Barnstable County and Barnstable Town City property record for 105 Bay Rd, Cotuit, MA 02635
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,588 sqft · built 2017 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Nov 2016) |
| Tax Bill | $7,893 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | COTU M:007 L:032 |
| Primary APN | COTU M:007 L:032 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,588 sqft Living Area |
| Gross Area | 5,538 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,473 sqft (0.47 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1928 |
|---|---|
| Street Address | 105 BAY RD |
| City | COTUIT |
| State | MA |
| Zip | 02635-3215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Lot Number | 32 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 13200 |
Source: Barnstable County and Barnstable Town City records · APN COTU M:007 L:032
Assessment roll updated May 27, 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 | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 596, COTUIT, MA 02635-0596 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 09, 2021 | Deed of Trust, Mortgage · ARM ROCKET MORTGAGE |
| Mar 03, 2017 | Deed of Trust, Mortgage · ARM CAPE COD COOPERATIVE BANK |
| May 06, 2019 | Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 01, 2016 · Amount on Record |
| Deed Sale | Nov 01, 2016 · Amount on Record |
| Prior Sale | Jan 29, 1982 · Amount on Record |
| Deed Book / Page | 30056 / 97 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COTUIT MA |
| Property Address | 105 BAY RD, COTUIT, MA 02635-3215 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 034646-273 |
|---|---|
| Date | Nov 09, 2021 |
| Book Page | 34646/273 |
| Instrument | 73430 |
| Name | ROCKET MORTGAGE |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
| Type Change Date | Dec 01, 2028 |
| Index | Other |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 105 BAY RD, COTUIT, MA 02635-3215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 30331-112 |
|---|---|
| Date | Mar 03, 2017 |
| Book Page | 30331/112 |
| Instrument | 10543 |
| Name | CAPE COD COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Mar 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 105 BAY RD, COTUIT, MA 02635-3215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 32000-88 |
|---|---|
| Date | May 06, 2019 |
| Book Page | 32000/88 |
| Instrument | 20167 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jun 01, 2026 |
Source: Barnstable County and Barnstable Town City records · Assessment roll updated May 27, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| Municipality | Barnstable Town City |
| Unified School District | Barnstable School District (PK - 12) |
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 | $7,893.00 (+10.02%) | $945,300 (+3.83%) Land $179,600 Building $765,700 | $908,010 |
| 2024 | $7,174.00 (+3.07%) | $910,400 (+9.49%) Land $179,600 Building $730,800 | |
| 2023 | $6,960.00 | $831,500 Land $177,500 Building $654,000 |
Source: FEMA National Flood Hazard Layer as of October 1, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 32 policies |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 9 (1990–2023) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
| Claims by Event |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
May also be available: T-Mobile USA.
Based on FCC filings for 113 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COTUIT FIRE DISTRICT WATER DEPARTMENT serves 4,938 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 3 ppb (2023–2025) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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