Barnstable County and Chatham Town property record for 166 Cross St, Chatham, MA 02633
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 3,281 sqft · built 1977 |
| Lot Size | 0.369 acres (16,053 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,000,000 (Sep 2018) |
| Tax Bill | $9,411 (2025) |
| Deeds & Mortgages | May 2024 Refinance Jun 2017 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | CHAT M:14C B:0062 L:D4 |
| Primary APN | CHAT M:14C B:0062 L:D4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,281 sqft Living Area |
| Gross Area | 6,213 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 16,053 sqft (0.369 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 2278 |
|---|---|
| Street Address | 166 CROSS ST |
| City | CHATHAM |
| State | MA |
| Zip | 02633-2208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Block | 62 |
| Legal Lot Number | D4 |
| Jurisdiction | CHATHAM MA |
| Township / Civil Division | CHATHAM |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 10700 |
Source: Barnstable County and Chatham Town records, as of July 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 | 166 CROSS ST, CHATHAM, MA 02633-2208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK |
| Jun 1, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage CAPE COD FIVE CENTS SAVINGS BANK |
| Jun 1, 2017 | Deed of Trust, Mortgage CAPE COD FIVE CENTS SAVINGS BANK |
| May 23, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage WELLESLEY BK |
| Sep 7, 2018 | Quit Claim Deed, Transfer CAPE COD FIVE CENTS SAVINGS BANK |
| Apr 19, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2018 · Amount on Record |
| Deed Sale | Sep 7, 2018 · Amount on Record |
| Prior Sale | Apr 19, 2017 |
| Deed Book / Page | 31514 / 278 |
| Transfer Doc | 031514-278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHATHAM MA |
| Property Address | 166 CROSS ST, CHATHAM, MA 02633-2208 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 036385-235 |
|---|---|
| Date | May 28, 2024 |
| Book Page | 36385/235 |
| Instrument | 20410 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHATHAM MA |
| Property Address | 166 CROSS ST, CHATHAM, MA 02633-2208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 30529-1 |
|---|---|
| Date | Jun 1, 2017 |
| Book Page | 30529/1 |
| Instrument | 27025 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHATHAM MA |
| Property Address | 166 CROSS ST, CHATHAM, MA 02633-2208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 30528-333 |
|---|---|
| Date | Jun 1, 2017 |
| Book Page | 30528/333 |
| Instrument | 27024 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHATHAM MA |
| Property Address | 166 CROSS ST, CHATHAM, MA 02633-2208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31286-123 |
|---|---|
| Date | May 23, 2018 |
| Book Page | 31286/123 |
| Instrument | 24335 |
| Name | WELLESLEY BK |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHATHAM MA |
| Recording Date | Sep 7, 2018 |
| Property Address | 166 CROSS ST, CHATHAM, MA 02633-2208 |
| Document Number | 31514-278 |
| Book / Page | 31514 / 278 |
| Instrument | 44081 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $72.11 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 315140286 |
|---|---|
| Date | Sep 7, 2018 |
| Instrument | 31514/0286 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 7, 2048 |
| Rate | 3.88% |
|---|---|
| Max Rate At Change | 0.12% |
| Max Rate | 2.75% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHATHAM MA |
| Recording Date | Apr 19, 2017 |
| Property Address | 166 CROSS ST, CHATHAM, MA 02633-2208 |
| Document Number | 30428-78 |
| Book / Page | 030428 / 000078 |
| Instrument Date | Apr 6, 2017 |
| Instrument | 18713 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 912 MAIN ST #310 CHATHAM MA 026332747, 310, CHATHAM, MA 02633-2747 |
Source: Barnstable County and Chatham Town assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| County Subdivision | Chatham Town |
| Unified School District | Monomoy Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,411.00 (+2.99%) | $2,712,000 (+5.95%) Land $1,224,600 Building $1,487,400 | $3,244,630 |
| 2024 | $9,138.00 (+4.47%) | $2,559,800 (+13.54%) Land $1,155,300 Building $1,404,500 | |
| 2023 | $8,747.00 | $2,254,500 Land $962,700 Building $1,291,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 155 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 169 units insured incl. 14 condo units |
| Nearby Flood Claims | 76 (1988–2023) |
| Claims Outside the SFHA | 26 of 76 |
| Most Recent Claim | Dec 2023 · tidal / storm surge |
| Claims by Event |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHATHAM WATER DEPARTMENT serves 30,000 people · EPA ID MA4055000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 1 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 197 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 |
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