108 Bay Rd, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 108 Bay Rd, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,482 sqft · built 1978
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Last Sale	$2,100,000 (Aug 2024)
Tax Bill	$12,565 (2025)
Deeds & Mortgages	May 2021 Refinance Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`COTU M:007 L:022`

Property Details

APN / Parcel Number

Primary APN	`COTU M:007 L:022`
Alternative APN	`1848`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,482 sqft Living Area
Gross Area	4,765 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	26,136 sqft (0.6 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1848
Street Address	108 BAY RD
City	COTUIT
State	MA
Zip	02635-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Lot Number	22
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1011
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	32 HOLLY DR, SHORT HILLS, NJ 07078-1318
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD COOPERATIVE BANK
Nov 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 22, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2024 · Amount on Record
Deed Sale	Aug 30, 2024 · Amount on Record
Prior Sale	Jan 24, 2014
Deed Book / Page	36543 / 90
Transfer Doc	0026976-82
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	108 BAY RD, COTUIT, MA 02635-3228
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034076-91
Date	May 4, 2021
Book Page	34076/91
Instrument	30454

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	108 BAY RD, COTUIT, MA 02635-3228
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037328-236
Date	Nov 28, 2025
Book Page	37328/236
Instrument	49311

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	108 BAY RD, COTUIT, MA 02635-3228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31794-118
Date	Jan 22, 2019
Book Page	31794/118
Instrument	3119

Lender

Name	FIRST CITIZENS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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	$12,565.00 (+6.52%)	$1,504,800 (+0.52%) Land $1,041,600 Building $463,200	$1,963,650
2024	$11,796.00 (+5.96%)	$1,497,000 (+12.55%) Land $1,041,600 Building $455,400
2023	$11,133.00	$1,330,100 Land $931,900 Building $398,200

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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	Hurricane Bob, Aug 1991 · 5 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

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	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 113 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: T-Mobile.

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