12 Siloam Ave, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 12 Siloam Ave, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1870
Lot Size	0.031 acres (1,350 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,055 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`OAKB M:0081 B:0127 L:000`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0081 B:0127 L:000`
Alternative APN	`4703`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	884 sqft Living Area
Gross Area	1,240 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1992
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,350 sqft (0.031 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	4703
Street Address	12 SILOAM AVE
City	OAK BLUFFS
State	MA
Zip	02557-7227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	127
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	2
Census Block	2030
Census Tract	200200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Wesleyan Grove listed 2005 · 309 contributing resources · National Historic Landmark (designated 2005) · NRIS 05000458

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

12 Siloam Ave, a single family home, is owned by two individuals.

Source: Dukes County and Oak Bluffs Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 696, OAK BLUFFS, MA 02557-0696
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
Feb 16, 2021	Deed of Trust, Mortgage · Line of Credit MARTHA VINEYARD SAVING BANK
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage MARTHA VINEYARD SB
Dec 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage MARTHA VINEYARD SB

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	12 SILOAM AVE, OAK BLUFFS, MA 02557
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1565-194
Date	Feb 16, 2021
Book Page	1565/194
Instrument	1205

Lender

Name	MARTHA VINEYARD SAVING BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2046

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	12 SILOAM AVE, OAK BLUFFS, MA 02557
Document Number	1536-710
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 SILOAM AVE OAK BLUFFS MA 02557, OAK BLUFFS, MA 02557

Mortgage

Document Number	1536-710
Date	Jul 28, 2020
Book Page	001536/000710
Instrument	4290

Lender

Name	MARTHA VINEYARD SB
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 27, 2035

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	12 SILOAM AVE, OAK BLUFFS, MA 02557
Document Number	1484-50
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 SILOAM AVE OAK BLUFFS MA 02557, OAK BLUFFS, MA 02557

Mortgage

Document Number	1484-50
Date	Dec 17, 2018
Book Page	001484/000050
Instrument	7191

Lender

Name	MARTHA VINEYARD SB
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12 Siloam Ave was $4,055, down 1.6% from the year before.

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	Assessed Market Value
2025	$4,055.00 (-1.58%)	$803,000 (+1.93%) Building $803,000	$857,194
2024	$4,120.00 (-6.47%)	$787,800 (-5.56%) Building $787,800
2023	$4,405.00	$834,200 Building $834,200

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

Flood

FEMA maps place 12 Siloam Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 7, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 50 individual policies
Nearby Flood Policies	68 units insured incl. 18 condo units
Nearby Flood Claims	6 (1991–1998)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 1998 · rainfall accumulation
Claims by Event	Coastal Storm, Oct 1991 · 2 claims

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 Siloam Ave is low, with less than 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 99.1% of the US · lower than 98.7% 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	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 521 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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