15 Tern Ln, Eastham, MA 02642 Property Records

Barnstable County and Eastham Town property record for 15 Tern Ln, Eastham, MA 02642

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,464 sqft · built 1970
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on File
Last Sale	$737,500 (Jun 2023)
Tax Bill	$4,913 (2025)
Deeds & Mortgages	Dec 2022 Refinance Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`EAST M:0017 L:0675`

Property Details

APN / Parcel Number

Primary APN	`EAST M:0017 L:0675`
Alternative APN	`5337`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,464 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,363 sqft (0.72 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5337
Street Address	15 TERN LN
City	EASTHAM
State	MA
Zip	02642-3236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Lot Number	675
Jurisdiction	EASTHAM MA
Township / Civil Division	EASTHAM
Census Block Group	1
Census Block	1010
Census Tract	10304

Owner

Source: Barnstable County and Eastham Town assessment roll, as of May 27, 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 File
Mailing Address	15 TERN LN, EASTHAM, MA 02642-3236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Jun 1, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 6, 2019	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Dec 12, 1995 · Amount on Record
Deed Book / Page	35818 / 149
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EASTHAM MA
Property Address	15 TERN LN, EASTHAM, MA 02642-3236
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035525-305
Date	Dec 7, 2022
Book Page	35525/305
Instrument	59933

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EASTHAM MA
Recording Date	Jun 1, 2023
Property Address	15 TERN LN, EASTHAM, MA 02642-3236
Document Number	035818-149
Book / Page	35818 / 149
Instrument Date	Jun 1, 2023
Instrument	21806
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
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	Joint Tenants
Address	355 LAKE FLOWER AVE, SARANAC LAKE, NY 12983-2454

Mortgage

Document Number	0000021807
Date	Jun 1, 2023
Instrument	21807

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EASTHAM MA
Property Address	15 TERN LN, EASTHAM, MA 02642-3236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32523-57
Date	Dec 6, 2019
Book Page	32523/57
Instrument	61768

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Eastham Town
Elementary School District	Eastham 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	$4,913.00 (+16.89%)	$637,200 (+6.27%) Land $281,500 Building $355,700	$754,205
2024	$4,203.00 (+9.77%)	$599,600 (+13.37%) Land $273,300 Building $326,300
2023	$3,829.00	$528,900 Land $253,100 Building $275,800

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
Flood Insurance Cost	Premium on Record median of 67 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	67 in force
Nearby Flood Claims	16 (1987–2023)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Feb 2023 · rainfall accumulation
Claims by Event	Severe Winter Storm And Snowstorm, Jan 2022 · 2 claims Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 2 claims 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

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	None beyond ember reach

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	TOWN OF EASTHAM serves 6,199 people · EPA ID MA4086095
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 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 220 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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