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170 E Bay Rd, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 170 E Bay Rd, Osterville, MA 02655 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,106 sqft · built 1853
Lot Size0.5 acres (21,780 sqft)
Owner2 Trust Names on File
Last Sale$760,000 (May 2004)
Tax Bill$15,572 (2025)
Deeds & MortgagesOct 2019 Refinance
Jul 2020 Refinance
Flood ZoneZone X (minimal risk)
APNOSTE M:140 L:167

Property Details

APN / Parcel Number

Primary APNOSTE M:140 L:167
Alternative APN
  • 75778

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,106 sqft Living Area
Gross Area3,602 sqft

Exterior

Year BuiltBuilt 1853
Effective Year BuiltEffective 1853
Architectural StyleColonial
Exterior MaterialWood Siding
Roof TypeGambrel
Roof MaterialAsphalt
Lot Area21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number75778
Street Address170 E BAY RD
CityOSTERVILLE
StateMA
Zip02655-1938
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Lot Number167
JurisdictionBARNSTABLE MA
Township / Civil DivisionBARNSTABLE TOWN
Census Block Group2
Census Block2003
Census Tract13002

Owner

Source: Barnstable County and Barnstable Town City records · APN OSTE M:140 L:167

Assessment roll updated May 27, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Trust Names on File
Mailing Address170 E BAY RD, OSTERVILLE, MA 02655-1938
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Oct 18, 2019Deed of Trust, Mortgage · Stand-Alone Refinance
UNITED WHOLESALE MORTGAGE
Jul 22, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 20, 2004 · Amount on Record
Deed SaleMay 20, 2004 · Amount on Record
Prior SaleAug 15, 2000 · Amount on Record
Deed Document Number200412150
Deed Book / Page18614 / 59
Transfer Doc0000012150
Record UpdatedSep 20, 2026

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBARNSTABLE MA
Property Address170 E BAY RD, OSTERVILLE, MA 02655-1938
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number32389-235
DateOct 18, 2019
Book Page32389/235
Instrument51322
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBARNSTABLE MA
Property Address170 E BAY RD, OSTERVILLE, MA 02655-1938
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number33095-323
DateJul 22, 2020
Book Page33095/323
Instrument36394
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

Tax Assessment & Valuation

Source: Barnstable County and Barnstable Town City records · Assessment roll updated May 27, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyBarnstable County
MunicipalityBarnstable Town City
Unified School DistrictBarnstable School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$15,572.00 (+5.15%)$1,924,900 (+1.51%) Land $1,524,400 Building $400,500$2,450,525
2024$14,810.00 (+17.43%)$1,896,300 (+25.4%) Land $1,524,400 Building $371,900
2023$12,612.00$1,512,200 Land $1,200,100 Building $312,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Barnstable County (25001C), updated October 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250010130022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 44 individual NFIP policies nearby
Nearby Flood Policies44 in force
Nearby Flood Claims14 (1990–2026)
Claims Outside the SFHA9 of 14
Most Recent ClaimFeb 2026, other causes
Claims By Storm
  • Hurricane Bob, Aug 1991 · 7 claims

Wildfire

Wildfire RiskLow
above 4% of the US · above 8% of Massachusetts
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 136 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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