Barnstable County and Barnstable Town City property record for 17 Whites Ln, Cotuit, MA 02635
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,196 sqft · built 1970 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $324,000 (Apr 2019) |
| Tax Bill | $4,012 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | COTU M:027 L:002 |
| Primary APN | COTU M:027 L:002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Gross Area | 2,524 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 34,848 sqft (0.8 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 14460 |
|---|---|
| Street Address | 17 WHITES LN |
| City | COTUIT |
| State | MA |
| Zip | 02635-2301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 13200 |
17 Whites Ln is owned by two individuals who bought it in April 2019.
Source: Barnstable County and Barnstable Town City records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 69 CAPTAIN STANLEY RD, SOUTH YARMOUTH, MA 02664-2848 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 22, 2025 | Deed of Trust, Mortgage CITIZENS BANK |
| Feb 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Apr 26, 2019 | Quit Claim Deed, Transfer · FHA Mortgage STEARNS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2019 · Amount on File |
| Deed Sale | Apr 26, 2019 · Amount on File |
| Prior Sale | Apr 30, 2001 · Amount on File |
| Deed Document Number | 201918339 |
| Deed Book / Page | 31976 / 163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COTUIT MA |
| Property Address | 17 WHITES LN, COTUIT, MA 02635-2301 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 036988-315 |
|---|---|
| Date | May 22, 2025 |
| Book Page | 36988/315 |
| Instrument | 20231 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 301 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 17 WHITES LN, COTUIT, MA 02635-2301 |
| Document Number | 32716-109 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 17 WHITES LN COTUIT MA 026352301, COTUIT, MA 02635-2301 |
| Document Number | 32716-109 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 032716/000109 |
| Instrument | 9751 |
| Name | PENNYMAC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 25, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Apr 26, 2019 |
| Property Address | 17 WHITES LN, COTUIT, MA 02635-2301 |
| Document Number | 31976-163 |
| Book / Page | 031976 / 000163 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 339 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,846.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 69 CANTAIN STANLEY RD SOUTH YARMOUTH MA 02664, SOUTH YARMOUTH, MA 02664 |
| Document Number | 31976-165 |
|---|---|
| Date | Apr 26, 2019 |
| Book Page | 031976/000165 |
| Instrument | 340 |
| Name | STEARNS LNDG |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 25, 2049 |
The 2025 property tax bill for 17 Whites Ln was $4,012, up 4% from the year before.
Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| Municipality | Barnstable Town City |
| Unified School District | Barnstable School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,012.00 (+4.05%) | $480,500 (-1.8%) Land $173,100 Building $307,400 | $500,555 |
| 2024 | $3,856.00 (+8.07%) | $489,300 (+14.78%) Land $173,100 Building $316,200 | |
| 2023 | $3,568.00 | $426,300 Land $157,300 Building $269,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 17 Whites Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1978) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1978 · Coastal Storms, Flood, Ice & Snow |
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 risk around 17 Whites Ln 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COTUIT FIRE DISTRICT WATER DEPARTMENT serves 4,938 people · EPA ID MA4020003 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 3 ppb (2023–2025) 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 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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