Barnstable County and Barnstable Town City property record for 108 Main St, Cotuit, MA 02635
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,088 sqft · built 1950 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (May 2025) |
| Tax Bill | $6,216 (2025) |
| Deeds & Mortgages | May 2025 Sale & Mortgage Jan 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | COTU M:023 L:009 |
| Primary APN | COTU M:023 L:009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,088 sqft Living Area |
| Gross Area | 4,386 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 60,984 sqft (1.4 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 11604 |
|---|---|
| Street Address | 108 MAIN ST |
| City | COTUIT |
| State | MA |
| Zip | 02635-2518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Lot Number | 9 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 2 |
| Census Block | 2062 |
| Census Tract | 13200 |
108 Main St is owned and occupied by two individuals who bought it in May 2025.
Source: Barnstable County and Barnstable Town City records, as of July 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 | 108 MAIN ST, COTUIT, MA 02635-2518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 6, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK |
| Jan 27, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| May 30, 2018 | Quit Claim Deed, Transfer EASTERN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2025 · Amount on File |
| Deed Sale | May 6, 2025 · Amount on File |
| Prior Sale | May 30, 2018 · Amount on File |
| Deed Book / Page | 36961 / 240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COTUIT MA |
| Recording Date | May 6, 2025 |
| Property Address | 108 MAIN ST, COTUIT, MA 02635-2518 |
| Document Number | 036961-240 |
| Book / Page | 36961 / 240 |
| Instrument Date | May 6, 2025 |
| Instrument | 17749 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 108 MAIN ST, COTUIT, MA 02635-2518 |
| Document Number | 0000017750 |
|---|---|
| Date | May 6, 2025 |
| Instrument | 17750 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Type Change Date | Jun 1, 2032 |
| Max Rate At Change | 2.75% |
| Index | Other |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Jan 27, 2020 |
| Property Address | 108 MAIN ST, COTUIT, MA 02635-2518 |
| Document Number | 32649-108 |
| Book / Page | 032649 / 000108 |
| Instrument Date | Jan 27, 2020 |
| Instrument | 4303 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 108 MAIN ST COTUIT MA 026352518, COTUIT, MA 02635-2518 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | May 30, 2018 |
| Property Address | 108 MAIN ST, COTUIT, MA 02635-2518 |
| Document Number | 31302-208 |
| Book / Page | 31302 / 208 |
| Instrument | 25631 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $41.22 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 MAIN ST, COTUIT, MA 02635-2518 |
| Document Number | 313020210 |
|---|---|
| Date | May 30, 2018 |
| Instrument | 31302/0210 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 30, 2048 |
| Rate | 3.63% |
|---|---|
| Max Rate At Change | 60.1% |
| Max Rate | 2.25% |
The 2025 property tax bill for 108 Main St was $6,216, up 5% from the year before.
Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| Municipality | Barnstable Town City |
| Unified School District | Barnstable School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,216.00 (+5.02%) | $744,400 (-0.91%) Land $209,400 Building $535,000 | $803,795 |
| 2024 | $5,919.00 (+5.79%) | $751,200 (+12.39%) Land $209,400 Building $541,800 | |
| 2023 | $5,595.00 | $668,400 Land $207,500 Building $460,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 risk around 108 Main St 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 96% of the US · lower than 92% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 131 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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