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120 Main St, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 120 Main St, Cotuit, MA 02635 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,096 sqft · built 1945
Lot Size1.33 acres (57,935 sqft)
Owner2 Individual Names on File
Last Sale$650,000 (Aug 2025)
Tax Bill$4,551 (2025)
Deeds & MortgagesAug 2025 Sale
Sep 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNCOTU M:023 L:010

Property Details

APN / Parcel Number

Primary APNCOTU M:023 L:010
Alternative APN
  • 11613

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,096 sqft Living Area
Gross Area2,472 sqft

Exterior

Year BuiltBuilt 1945
Effective Year BuiltEffective 1945
Architectural StyleRanch
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area57,935 sqft (1.33 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number11613
Street Address120 MAIN ST
CityCOTUIT
StateMA
Zip02635-2518
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Lot Number10
JurisdictionBARNSTABLE MA
Township / Civil DivisionBARNSTABLE TOWN
Census Block Group2
Census Block2062
Census Tract13200

Owner

Source: Barnstable County and Barnstable Town City records · APN COTU M:023 L:010

Assessment roll updated May 27, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address120 MAIN ST, COTUIT, MA 02635-2518
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Aug 07, 2025Quit Claim Deed, Transfer
Sep 18, 2023Quit Claim Deed, Transfer · Stand-Alone First Mortgage
JEANNE D ARC CU
Aug 03, 2020Deed of Trust, Mortgage · Conventional with PMI
ARC HM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 07, 2025 · Amount on Record
Deed SaleAug 07, 2025 · Amount on Record
Prior SaleSep 18, 2023 · Amount on Record
Deed Document Number202531582
Deed Book / Page37118 / 38
Transfer Doc0031651-50
Record UpdatedSep 20, 2026

August 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCOTUIT MA
Recording DateAug 07, 2025
Property Address120 MAIN ST, COTUIT, MA 02635-2518
Document Number0037118-38
Book / Page37118 / 38
Instrument DateJul 28, 2025
Instrument31582
Transaction TypeTransfer
Record UpdatedFeb 09, 2026

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address120 MAIN ST, COTUIT, MA 02635-2518

September 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCOTUIT MA
Recording DateSep 18, 2023
Property Address120 MAIN ST, COTUIT, MA 02635-2518
Document Number035988-281
Book / Page35988 / 281
Instrument DateSep 13, 2023
Instrument36650
Transaction TypeTransfer
Record UpdatedFeb 09, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 MAIN ST, COTUIT, MA 02635-2518

Mortgage

Document Number0000036651
DateSep 18, 2023
Instrument36651
Lender
NameJEANNE D ARC CU
TypeCredit Union
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate6.88%
Type Change DateOct 01, 2028
Max Rate At Change2.75%
Index1-Year CMT

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBARNSTABLE MA
Property Address120 MAIN ST, COTUIT, MA 02635-2518
Document Number33146-288
Instrument DateAug 03, 2020
Transaction TypeMortgage
Record UpdatedAug 26, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 MAIN ST COTUIT MA 026352518, COTUIT, MA 02635-2518

Mortgage

Document Number33146-288
DateAug 07, 2020
Book Page033146/000288
Instrument40036
Lender
NameARC HM LLC
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 06, 2050

Tax Assessment & Valuation

Source: Barnstable County and Barnstable Town City records · Assessment roll updated May 27, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyBarnstable County
MunicipalityBarnstable Town City
Unified School DistrictBarnstable School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,551.00 (+29.55%)$545,000 (+22.25%) Land $208,200 Building $336,800$610,945
2024$3,513.00 (+2.6%)$445,800 (+8.97%) Land $208,200 Building $237,600
2023$3,424.00$409,100 Land $206,300 Building $202,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Barnstable County (25001C), updated October 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250010132002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force
Nearby Flood Claims1 (1978)
Claims Outside the SFHA1 of 1
Most Recent ClaimFeb 1978, tidal / storm surge, Coastal Storms, Flood, Ice & Snow

Wildfire

Wildfire RiskLow
above 4% of the US · above 8% of Massachusetts
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 131 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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