Barnstable County and Barnstable Town City property record for 109 W Bay Rd, Osterville, MA 02655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,288 sqft · built 1922 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $362,500 (Mar 2012) |
| Tax Bill | $5,736 (2025) |
| Deeds & Mortgages | Nov 2024 Line of Credit Feb 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | OSTE M:116 L:031 |
| Primary APN | OSTE M:116 L:031 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,288 sqft Living Area |
| Gross Area | 1,884 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 56003 |
|---|---|
| Street Address | 109 W BAY RD |
| City | OSTERVILLE |
| State | MA |
| Zip | 02655-2432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Lot Number | 31 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 13002 |
Source: Barnstable County and Barnstable Town City records · APN OSTE M:116 L:031
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 | 2 Trust Names on File |
|---|---|
| Mailing Address | 109 W BAY RD, OSTERVILLE, MA 02655-2432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 08, 2024 | Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO |
| Feb 06, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 28, 2012 · Amount on Record |
| Deed Sale | Mar 28, 2012 · Amount on Record |
| Prior Sale | Jun 27, 2001 · Amount on Record |
| Deed Book / Page | 26196 / 175 |
| Last Transfer Date | Jan 30, 2023 |
| Transfer Doc | 0000005142 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 109 W BAY RD, OSTERVILLE, MA 02655-2432 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 036664-114 |
|---|---|
| Date | Nov 08, 2024 |
| Book Page | 36664/114 |
| Instrument | 44686 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 01, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Feb 06, 2023 |
| Property Address | 109 W BAY RD, OSTERVILLE, MA 02655-2432 |
| Document Number | 0035627-96 |
| Book / Page | 35627 / 96 |
| Instrument Date | Jan 30, 2023 |
| Instrument | 5142 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 W BAY RD, OSTERVILLE, MA 02655-2432 |
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 | $5,736.00 (+3.59%) | $709,000 (-) Land $436,400 Building $272,600 | $830,680 |
| 2024 | $5,537.00 (+23.4%) | $709,000 (+31.78%) Land $436,400 Building $272,600 | |
| 2023 | $4,487.00 | $538,000 Land $307,100 Building $230,900 |
Source: FEMA National Flood Hazard Layer, Barnstable County (25001C), as of October 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250010130022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 44 policies |
| Nearby Flood Policies | 44 in force |
| Nearby Flood Claims | 14 (1990–2026) |
| Claims Outside the SFHA | 9 of 14 |
| Most Recent Claim | Feb 2026 · other causes |
| Claims by Event |
|
| 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 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 268 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA4020002, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CENTERVILLE OSTERVILLE MARSTONS MILLS WD serves 50,000 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 31 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. This system sells water to local utilities; the supplier billing this address may be one of them. The full violation and enforcement history is in the system's EPA record.
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