16 Mill St, Edgartown, MA 02539 Property Records

Dukes County and Edgartown Town property record for 16 Mill St, Edgartown, MA 02539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,090 sqft · built 1908
Lot Size	0.109 acres (4,768 sqft)
Owner	Individual Name on Record
Last Sale	$3,200,000 (Dec 2023)
Tax Bill	$7,062 (2026)
Deeds & Mortgages	Aug 2021 Refinance Dec 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S4340`

Property Details

APN / Parcel Number

Primary APN	`S4340`
Alternative APN	`EDGA M:020D B:0067 L`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,090 sqft Living Area
Gross Area	2,458 sqft
Basement Area	104 sqft
Unfinished Basement	104 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,768 sqft (0.109 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	S4340
Street Address	16 MILL ST
City	EDGARTOWN
State	MA
Zip	02539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Block	67
Jurisdiction	EDGARTOWN MA
Township / Civil Division	EDGARTOWN
Census Block Group	2
Census Block	2008
Census Tract	200300

Owner

Source: Dukes County and Edgartown 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	Individual Name on Record
Mailing Address	196 CHANNEL VW, WARWICK, RI 02889-6515
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MARTHA VINEYARD SAVING BANK
Dec 1, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKLAND TRUST CO
Aug 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MARTHA VINEYARD SAVING BANK
Feb 19, 2020	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Aug 13, 2020	Deed of Trust, Mortgage MARTHA VINEYARD SB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Prior Sale	Aug 3, 2015 · Amount on Record
Deed Book / Page	1669 / 1045
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGARTOWN MA
Property Address	16 MILL ST, EDGARTOWN, MA 02539
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001590-467
Date	Aug 10, 2021
Book Page	1590/467
Instrument	6468

Lender

Name	MARTHA VINEYARD SAVING BANK

Agreement

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

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EDGARTOWN MA
Recording Date	Dec 1, 2023
Property Address	16 MILL ST, EDGARTOWN, MA 02539
Document Number	01669-1045
Book / Page	1669 / 1045
Instrument Date	Dec 1, 2023
Instrument	5845
Transaction Type	Transfer
Record Updated	Dec 15, 2023

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	PO BOX 2914, EDGARTOWN, MA 02539-2914

Mortgage

Document Number	0000005846
Date	Dec 1, 2023
Instrument	5846

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Type Change Date	Jan 12, 2028
Max Rate At Change	2.5%
Index	1-Year CMT

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGARTOWN MA
Property Address	16 MILL ST, EDGARTOWN, MA 02539
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1590-467
Date	Aug 10, 2021
Book Page	1590/467
Instrument	6468

Lender

Name	MARTHA VINEYARD SAVING BANK

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGARTOWN MA
Property Address	16 MILL ST, EDGARTOWN, MA 02539
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1521-105
Date	Feb 19, 2020
Book Page	1521/105
Instrument	1124

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2030

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGARTOWN MA
Property Address	16 MILL ST, EDGARTOWN, MA 02539
Document Number	1538-768
Instrument Date	Aug 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	16 MILL ST EDGARTOWN MA 02539, EDGARTOWN, MA 02539

Mortgage

Document Number	1538-768
Date	Aug 13, 2020
Book Page	001538/000768
Instrument	4695

Lender

Name	MARTHA VINEYARD SB
Type	Federal Savings Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2050

Tax Assessment & Valuation

Source: Dukes County and Edgartown Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Edgartown Town
Secondary School District	Martha's Vineyard School District (09 - 12)
Elementary School District	Edgartown School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,062.00 (+5.36%)	$2,847,400 (+12.58%) Land $1,248,300 Building $1,599,100	$3,314,121
2025	$6,703.00 (+14.15%)	$2,529,300 (+9.83%) Land $963,600 Building $1,565,700
2024	$5,872.00 (+4.78%)	$2,302,900 (+3.56%) Land $963,600 Building $1,339,300
2023	$5,604.00	$2,223,700 Land $929,600 Building $1,294,100

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
Flood Insurance Cost	Premium on Record median of 221 individual policies
Nearby Flood Policies	311 units insured incl. 90 condo units
Nearby Flood Claims	40 (1978–2024)
Claims Outside the SFHA	4 of 40
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Coastal Storm, Oct 1991 · 12 claims Hurricane Bob, Aug 1991 · 7 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 6 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	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	EDGARTOWN WATER DEPARTMENT serves 8,027 people · EPA ID MA4089000
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	6 ppb (2023–2025) 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 393 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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