12 Geraldine Rd, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 12 Geraldine Rd, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,789 sqft · built 1968
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$208,000 (Jan 2015)
Tax Bill	$5,056 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Mar 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`COTU M:040 L:009`

Property Details

APN / Parcel Number

Primary APN	`COTU M:040 L:009`
Alternative APN	`24413`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,789 sqft Living Area
Gross Area	3,852 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	24413
Street Address	12 GERALDINE RD
City	COTUIT
State	MA
Zip	02635-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	9
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	2
Census Block	2028
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	2 Individual Names on Record
Mailing Address	12 GERALDINE RD, COTUIT, MA 02635-2602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Mar 21, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 21, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE
Sep 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Nov 14, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK
Feb 20, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2015 · Amount on Record
Deed Sale	Jan 30, 2015 · Amount on Record
Prior Sale	Aug 14, 2014 · Amount on Record
Deed Book / Page	28656 / 176
Last Transfer Date	Oct 15, 2019
Transfer Doc	032383-123
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	12 GERALDINE RD, COTUIT, MA 02635-2602
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00037397-3
Date	Jan 5, 2026
Book Page	37397/3
Instrument	136

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	12 GERALDINE RD, COTUIT, MA 02635-2602
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036272-127
Date	Mar 21, 2024
Book Page	36272/127
Instrument	10285

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	12 GERALDINE RD, COTUIT, MA 02635-2602
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036881-312
Date	Mar 21, 2025
Book Page	36881/312
Instrument	10972

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2045

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	12 GERALDINE RD, COTUIT, MA 02635-2602
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034517-257
Date	Sep 28, 2021
Book Page	34517/257
Instrument	63548

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	12 GERALDINE RD, COTUIT, MA 02635-2602
Document Number	31709-164
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Dec 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 GERALDINE RD COTUIT MA 026352602, COTUIT, MA 02635-2602

Mortgage

Document Number	31709-164
Date	Dec 6, 2018
Book Page	031709/000164
Instrument	60522

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	12 GERALDINE RD, COTUIT, MA 02635-2602
Document Number	31125-59
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31125-59
Date	Mar 8, 2018
Book Page	031125/000059
Instrument	10774

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,056.00 (+10.56%)	$605,500 (+4.34%) Land $156,500 Building $449,000	$684,380
2024	$4,573.00 (+4.81%)	$580,300 (+11.32%) Land $156,500 Building $423,800
2023	$4,363.00	$521,300 Land $142,300 Building $379,000

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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