16 Front St, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 16 Front St, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 1993
Lot Size	0.289 acres (12,568 sqft)
Owner	2 Individual Names on Record
Last Sale	$968,000 (Oct 2021)
Tax Bill	$5,223 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0016 B:0008 L:002`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0016 B:0008 L:002`
Alternative APN	`2478`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,470 sqft Living Area
Gross Area	3,480 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2008
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,568 sqft (0.289 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2478
Street Address	16 FRONT ST
City	OAK BLUFFS
State	MA
Zip	02557-6905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8
Legal Lot Number	2
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	5
Census Block	5011
Census Tract	200200

Owner

Source: Dukes County and Oak Bluffs Town records, as of October 20, 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 Record
Mailing Address	55 BERNARD CIR, VINEYARD HAVEN, MA 02568-5324
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage QUONTIC BANK
Mar 24, 2020	Deed of Trust, Mortgage · Balloon Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Deed Document Number	20218228
Deed Book / Page	1598 / 1064
Record Updated	Oct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Oct 14, 2021
Property Address	16 FRONT ST, OAK BLUFFS, MA 02557-6905
Document Number	1598-1064
Book / Page	1598 / 1064
Instrument Date	Oct 14, 2021
Instrument	8228
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Tenants by the Entirety
Address	55 BERNARD CIR, VINEYARD HAVEN, MA 02568-5324

Mortgage

Document Number	8229
Date	Oct 14, 2021
Instrument	8229

Lender

Name	QUONTIC BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	16 FRONT ST, OAK BLUFFS, MA 02557-6905
Transaction Type	Mortgage
Record Updated	Jun 1, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1524-111
Date	Mar 24, 2020
Book Page	1524/111
Instrument	1851

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

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	$5,223.00 (+1.26%)	$1,034,300 (+4.88%) Land $490,500 Building $543,800	$1,145,007
2024	$5,158.00 (+0.12%)	$986,200 (+1.08%) Land $445,700 Building $540,500
2023	$5,152.00	$975,700 Land $433,100 Building $542,600

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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