12 James St, Sandwich, MA 02563 Property Records

Barnstable County and Sandwich Town property record for 12 James St, Sandwich, MA 02563

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,760 sqft · built 1984
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$599,000 (Oct 2023)
Tax Bill	$5,810 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SAND M:0042 B:0035`

Property Details

APN / Parcel Number

Primary APN	`SAND M:0042 B:0035`
Alternative APN	`8339`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
Gross Area	3,264 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1988
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	8339
Street Address	12 JAMES ST
City	SANDWICH
State	MA
Zip	02563-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	35
Jurisdiction	SANDWICH MA
Township / Civil Division	SANDWICH
Census Block Group	1
Census Block	1025
Census Tract	13300

Owner

12 James St is owned and occupied by two individuals who bought it in October 2023.

Source: Barnstable County and Sandwich Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 JAMES ST, SANDWICH, MA 02563-2115
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage LEADER BANK NA
Oct 30, 2023	Fiduciary Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2023 · Amount on File
Deed Sale	Oct 30, 2023 · Amount on File
Deed Document Number	202343540
Deed Book / Page	36059 / 324
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDWICH MA
Recording Date	May 4, 2026
Property Address	12 JAMES ST, SANDWICH, MA 02563-2115
Document Number	0037600-59
Book / Page	37600 / 59
Instrument Date	Apr 28, 2026
Instrument	202616927
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 JAMES ST, SANDWICH, MA 02563-2115

Mortgage

Document Number	0000016927,
Date	May 4, 2026
Book Page	37600/59
Instrument	202616927

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

October 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	SANDWICH MA
Recording Date	Oct 30, 2023
Property Address	12 JAMES ST, SANDWICH, MA 02563-2115
Document Number	036059-324
Book / Page	36059 / 324
Instrument Date	Oct 30, 2023
Instrument	43540
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12 JAMES ST, SANDWICH, MA 02563-2115

Mortgage

Document Number	0000043541
Date	Oct 30, 2023
Instrument	43541

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12 James St was $5,810.

Source: Barnstable County and Sandwich Town assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Sandwich Town
Unified School District	Sandwich School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,810.00	$549,700 Land $220,500 Building $329,200	$658,445
2023	$4,893.00	$425,500 Land $153,400 Building $272,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 James St in Zone X, an area of minimal flood risk, though there have been 13 flood claims 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
Flood Insurance Cost	Premium on File median of 40 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	13 (1978–2018)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding

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

Wildfire risk around 12 James St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SANDWICH WATER DISTRICT serves 23,000 people · EPA ID MA4261000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 108 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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