12 Shells Way, Sagamore Beach, MA 02562 Property Records

Barnstable County and Bourne Town property record for 12 Shells Way, Sagamore Beach, MA 02562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 4,032 sqft · built 2024
Lot Size	1.02 acres (44,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,900 (Mar 2023)
Tax Bill	$5,538 (2025)
Deeds & Mortgages	May 2025 Mortgage May 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BOUR M:12.2 P:15`

Property Details

APN / Parcel Number

Primary APN	`BOUR M:12.2 P:15`
Alternative APNs	`M:012.2 P:015.00 D:03` `15340`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,032 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,780 sqft (1.02 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	15340
Street Address	12 SHELLS WAY
City	SAGAMORE BEACH
State	MA
Zip	02562-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	BOURNE MA
Township / Civil Division	BOURNE
Census Block Group	1
Census Block	1035
Census Tract	13800

Owner

Source: Barnstable County and Bourne Town 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	PO BOX 97, SAGAMORE, MA 02561-0097
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 27, 2025	Deed of Trust, Mortgage · Conventional Mortgage CAPE COD FIVE CENTS SAVINGS BANK
May 27, 2025	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SAVINGS BANK
Dec 18, 2023	Deed of Trust, Mortgage · ARM CAPE COD FIVE CENTS SAVINGS BANK
Mar 24, 2023	Quit Claim Deed, Transfer
May 23, 2022	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2023 · Amount on Record
Deed Sale	Mar 24, 2023 · Amount on Record
Prior Sale	May 23, 2022 · Amount on Record
Deed Document Number	202311350
Deed Book / Page	35696 / 161
Prior Transfer Date	Mar 23, 2023
Prior Transfer Doc	035696-161
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Property Address	12 SHELLS WAY, SAGAMORE BEACH, MA 02562-2817
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036994-206
Date	May 27, 2025
Book Page	36994/206
Instrument	20726

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

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

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Property Address	12 SHELLS WAY, SAGAMORE BEACH, MA 02562-2817
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036994-225
Date	May 27, 2025
Book Page	36994/225
Instrument	20727

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Property Address	12 SHELLS WAY, SAGAMORE BEACH, MA 02562-2817
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036140-135
Date	Dec 18, 2023
Book Page	36140/135
Instrument	50807

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Jan 1, 2031
Index	Other

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOURNE MA
Recording Date	Mar 24, 2023
Property Address	12 SHELLS WAY, SAGAMORE BEACH, MA 02562-2817
Document Number	035696-161
Book / Page	35696 / 161
Instrument Date	Mar 23, 2023
Instrument	11350
Transaction Type	Transfer
Record Updated	Apr 7, 2023

Transaction

Amount	Amount Recorded
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	8 CECELIA TER, SAGAMORE, MA 02561-1216

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOURNE MA
Recording Date	May 23, 2022
Property Address	12 SHELLS WAY, SAGAMORE BEACH, MA 02562-2817
Document Number	035138-345
Book / Page	35138 / 345
Instrument Date	May 23, 2022
Instrument	26790
Transaction Type	Transfer
Record Updated	Jul 28, 2022

Transaction

Amount	Amount Recorded
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	147 KATHERINES WAY, RAYNHAM, MA 02767-1576

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,538.00 (+91.83%)	$709,100 (+96.97%) Land $378,000 Building $331,100	$1,225,690
2024	$2,887.00 (+2.85%)	$360,000 (+12.99%) Land $360,000
2023	$2,807.00	$318,600 Land $318,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2009 · rainfall accumulation

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 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.

Drinking Water

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

Water System	NORTH SAGAMORE WATER DISTRICT serves 4,668 people · EPA ID MA4036002
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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