11 Summit Ave, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 11 Summit Ave, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,398 sqft · built 2023
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Nov 2002)
Tax Bill	$5,566 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Feb 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0016 B:0082 L:000`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0016 B:0082 L:000`
Alternative APN	`2587`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,398 sqft Living Area
Gross Area	1,108 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2587
Street Address	11 SUMMIT AVE
City	OAK BLUFFS
State	MA
Zip	02557-7250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	82
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	5
Census Block	5019
Census Tract	200200

Owner

Source: Dukes County and Oak Bluffs Town records, as of June 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 4756, OAK BLUFFS, MA 02557
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 28, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Sep 30, 2025	Quit Claim Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 6, 2021	Quit Claim Deed, Transfer Quitclaim
Dec 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2002 · Amount on Record
Deed Sale	Nov 7, 2002 · Amount on Record
Prior Sale	Jan 3, 1992 · Amount on Record
Deed Book / Page	908 / 139
Last Transfer Date	Sep 25, 2025
Transfer Doc	001719-215
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	11 SUMMIT AVE, OAK BLUFFS, MA 02557-7250
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001637-766
Date	Oct 4, 2022
Book Page	1637/766
Instrument	6156

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	11 SUMMIT AVE, OAK BLUFFS, MA 02557-7250
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001675-748
Date	Feb 28, 2024
Book Page	1675/748
Instrument	996

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Sep 30, 2025
Property Address	11 SUMMIT AVE, OAK BLUFFS, MA 02557-7250
Document Number	001719-215
Book / Page	1719 / 215
Instrument Date	Sep 25, 2025
Instrument	4572
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 4756, OAK BLUFFS, MA 02557

Mortgage

Document Number	0000004573
Date	Sep 30, 2025
Instrument	4573

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

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

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Apr 6, 2021
Property Address	11 SUMMIT AVE, OAK BLUFFS, MA 02557-7250
Document Number	001572-364
Book / Page	1572 / 364
Instrument Date	Apr 6, 2021
Instrument	2729
Transaction Type	Transfer
Record Updated	Mar 18, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	PO BOX 4756, OAK BLUFFS, MA 02557

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Dec 12, 2017
Property Address	11 SUMMIT AVE, OAK BLUFFS, MA 02557-7250
Document Number	1455-406
Book / Page	001455 / 000406
Instrument Date	Dec 7, 2017
Instrument	7731
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4756 VINEYARD HAVEN MA 025680940, VINEYARD HAVEN, MA 02568-0940

Tax Assessment & Valuation

Source: Dukes County and Oak Bluffs Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Oak Bluffs Town
Elementary School District	Oak Bluffs School District (PK - 08)
Secondary School District	Martha's Vineyard School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,566.00 (+154.16%)	$1,102,200 (+163.18%) Land $460,900 Building $641,300
2024	$2,190.00 (-29.63%)	$418,800 (-28.93%) Land $418,800
2023	$3,112.00	$589,300 Land $407,000 Building $182,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective February 7, 2025 · 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	9 in force

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	Not rated no burnable land within 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	OAK BLUFFS WATER DISTRICT serves 24,000 people · EPA ID MA4221000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2021–2023) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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