128 Front St, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 128 Front St, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,293 sqft · built 1987
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$379,000 (Jul 2016)
Tax Bill	$4,200 (2025)
Deeds & Mortgages	Jul 2021 Refinance Feb 2026 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0021 B:0097 L:002`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0021 B:0097 L:002`
Alternative APN	`3210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,293 sqft Living Area
Gross Area	3,097 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Gas

Location & Zoning

Account Number	3210
Street Address	128 FRONT ST
City	OAK BLUFFS
State	MA
Zip	02557-6907
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	97
Legal Lot Number	2
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	5
Census Block	5025
Census Tract	200200

Owner

128 Front St is owned by two individuals who bought it in July 2016.

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 4394, VINEYARD HAVEN, MA 02568-0934
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
Jul 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Feb 13, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jun 27, 2019	Deed of Trust, Mortgage · FHA Mortgage QUAD CTY BK&TR
Sep 2, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2016 · Amount on File
Deed Sale	Jul 15, 2016 · Amount on File
Prior Sale	Apr 26, 2016 · Amount on File
Deed Book / Page	1410 / 621
Transfer Doc	001410-621
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	128 FRONT ST, OAK BLUFFS, MA 02557-6907
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001586-875
Date	Jul 14, 2021
Book Page	1586/875
Instrument	5685

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	128 FRONT ST, OAK BLUFFS, MA 02557-6907
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001729-772
Date	Feb 13, 2026
Book Page	1729/772
Instrument	634

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2046

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	128 FRONT ST, OAK BLUFFS, MA 02557-6907
Document Number	1501-582
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	128 FRONT ST OAK BLUFFS MA 02557, OAK BLUFFS, MA 02557

Mortgage

Document Number	1501-582
Date	Jul 19, 2019
Book Page	001501/000582
Instrument	3953

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	128 FRONT ST, OAK BLUFFS, MA 02557-6907
Document Number	1447-916
Book / Page	001447 / 000916
Instrument Date	Sep 2, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	1447-916
Date	Sep 11, 2017
Book Page	001447/000916
Instrument	5734

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 128 Front St was $4,200, up 1.2% 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	$4,200.00 (+1.2%)	$831,700 (+4.81%) Land $434,600 Building $397,100	$1,054,329
2024	$4,150.00 (-1.05%)	$793,500 (-0.1%) Land $395,000 Building $398,500
2023	$4,194.00	$794,300 Land $383,800 Building $410,500

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

Flood

FEMA maps place 128 Front St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 7, 2025 · 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
Nearby Flood Policies	9 in force

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 128 Front St 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 94% of the US · lower than 88% 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 108 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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