120 Howland Cir, Brewster, MA 02631 Property Records

Barnstable County and Brewster Town property record for 120 Howland Cir, Brewster, MA 02631

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,063 sqft · built 1987
Owner	Individual Name on Record
Last Sale	$522,000 (Sep 2024)
Tax Bill	$3,121 (2025)
Deeds & Mortgages	Apr 2021 Refinance Nov 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:00027 L:04820-108`

Property Details

APN / Parcel Number

Primary APN	`M:00027 L:04820-108`
Alternative APNs	`BREW M:89 B:1 L:4372` `4372`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,063 sqft Living Area
Gross Area	1,213 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1994
Architectural Style	Other

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Electric

Location & Zoning

Account Number	4372
Street Address	120 HOWLAND CIR
City	BREWSTER
State	MA
Zip	02631-3027
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RESD.
Legal Block	1
Legal Lot Number	4372
Jurisdiction	BREWSTER MA
Township / Civil Division	BREWSTER
Census Block Group	3
Census Block	3000
Census Tract	10900

Owner

Source: Barnstable County and Brewster 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	Individual Name on Record
Mailing Address	15 FRASER ST, PELHAM, NY 10803-1706
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Nov 1, 2021	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Mar 1, 2024	Condominium Deed, Transfer
Nov 1, 2021	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Apr 20, 2018	Quit Claim Deed, Transfer CAPE COD COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2024 · Amount on Record
Deed Sale	Sep 6, 2024 · Amount on Record
Prior Sale	Mar 1, 2024 · Amount on Record
Deed Book / Page	36553 / 151
Prior Transfer Date	Aug 15, 2024
Prior Transfer Doc	036553-151
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREWSTER MA
Property Address	120 HOWLAND CIR, BREWSTER, MA 02631-3027
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034051-304
Date	Apr 27, 2021
Book Page	34051/304
Instrument	28689

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREWSTER MA
Property Address	120 HOWLAND CIR, BREWSTER, MA 02631-3027
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034622-244
Date	Nov 1, 2021
Book Page	34622/244
Instrument	71555

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	541 Months
Due	Dec 1, 2066

Interest

Rate Type	Adjustable Rate

March 2024: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	BREWSTER MA
Recording Date	Mar 1, 2024
Property Address	120 HOWLAND CIR, BREWSTER, MA 02631-3027
Document Number	036245-339
Book / Page	36245 / 339
Instrument Date	Feb 2, 2024
Instrument	7926
Transaction Type	Transfer
Record Updated	Mar 22, 2024

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	15 FRASER ST, PELHAM, NY 10803-1706

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREWSTER MA
Property Address	120 HOWLAND CIR, BREWSTER, MA 02631-3027
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34622-244
Date	Nov 1, 2021
Book Page	34622/244
Instrument	71555

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	541 Months
Due	Dec 1, 2066

Interest

Rate Type	Adjustable Rate

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREWSTER MA
Recording Date	Apr 20, 2018
Property Address	120 HOWLAND CIR, BREWSTER, MA 02631-3027
Document Number	31215-223
Book / Page	31215 / 223
Instrument	18334
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$18.06
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 HOWLAND CIR, BREWSTER, MA 02631-3027

Mortgage

Document Number	312150226
Date	Apr 20, 2018
Instrument	31215/0226

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Brewster Town
Elementary School District	Brewster School District (PK - 05)
Secondary School District	Nauset School District (06 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,121.00 (+8.33%)	$453,700 (+7.23%) Building $453,700	$544,445
2024	$2,881.00 (+9.92%)	$423,100 (+12.86%) Building $423,100
2023	$2,621.00	$374,900 Building $374,900

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 units insured incl. 9 condo units

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 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	BREWSTER WATER DEPARTMENT serves 35,000 people · EPA ID MA4041000
Water Source	Groundwater
Last State Inspection	May 2026
Lead	3 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	21 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 109 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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