172 Bay Rd, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 172 Bay Rd, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 3,066 sqft · built 2006
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Trust Names on File
Last Sale	$3,950,000 (Dec 2021)
Tax Bill	$22,802 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jan 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`COTU M:007 L:016`

Property Details

APN / Parcel Number

Primary APN	`COTU M:007 L:016`
Alternative APN	`1786`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,066 sqft Living Area
Gross Area	6,722 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1786
Street Address	172 BAY RD
City	COTUIT
State	MA
Zip	02635-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	CHARLES L GIFFORD
Legal Lot Number	16
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1011
Census Tract	13200

Owner

Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026

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

Owner of Record	2 Trust Names on File
Mailing Address	98 VALLEY RD, BOXFORD, MA 01921-1331
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MISCELLANEOUS OTHER
Jan 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 21, 2021 · Amount on Record
Deed Sale	Dec 21, 2021 · Amount on Record
Prior Sale	Jan 5, 2017
Deed Book / Page	34770 / 171
Transfer Doc	2503000278
Record Updated	Sep 20, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COTUIT MA
Recording Date	Dec 21, 2021
Property Address	172 BAY RD, COTUIT, MA 02635-3228
Document Number	034770-171
Book / Page	34770 / 171
Instrument Date	Dec 21, 2021
Instrument	82777
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	98 VALLEY RD, BOXFORD, MA 01921-1331

Mortgage

Document Number	0000082778
Date	Dec 21, 2021
Instrument	82778

Lender

Name	MISCELLANEOUS OTHER

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Jan 5, 2017
Property Address	172 BAY RD, COTUIT, MA 02635-3228
Document Number	30214-268
Book / Page	030214 / 000268
Instrument Date	Dec 28, 2016
Instrument	802
Transaction Type	Transfer
Record Updated	Jan 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	62 BLACK ROCK DR #108 HINGHAM MA 020434878, 108, HINGHAM, MA 02043-4878

Tax Assessment & Valuation

Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
Municipality	Barnstable Town City
Unified School District	Barnstable School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$22,802.00 (+10.9%)	$2,730,800 (+4.66%) Land $1,103,800 Building $1,627,000	$4,938,100
2024	$20,560.00 (+7.75%)	$2,609,200 (+14.45%) Land $1,103,800 Building $1,505,400
2023	$19,082.00	$2,279,800 Land $987,500 Building $1,292,300

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 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	9 (1990–2023)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Hurricane Bob, Aug 1991 · 5 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	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile USA.

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