176 Surf Dr, Mashpee, MA 02649 Property Records

Barnstable County and Mashpee Town property record for 176 Surf Dr, Mashpee, MA 02649

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,220 sqft · built 1988
Lot Size	0.288 acres (12,545 sqft)
Owner	Individual Name on Record
Last Sale	$333,500 (Dec 2013)
Tax Bill	$4,559 (2025)
Deeds & Mortgages	Jan 2022 Refinance Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MASH M:102 B:47 L:0`

Property Details

APN / Parcel Number

Primary APN	`MASH M:102 B:47 L:0`
Alternative APN	`7436`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,220 sqft Living Area
Gross Area	4,756 sqft
1st Floor Area	1,028 sqft
Basement Area	1,532 sqft
Unfinished Basement	1,028 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,545 sqft (0.288 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7436
Street Address	176 SURF DR
City	MASHPEE
State	MA
Zip	02649-3730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	47
Jurisdiction	MASHPEE MA
Township / Civil Division	MASHPEE
Census Block Group	1
Census Block	1013
Census Tract	15200

Owner

Source: Barnstable County and Mashpee 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	Individual Name on Record
Mailing Address	176 SURF DR, MASHPEE, MA 02649-3730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Feb 24, 2017	Deed of Trust, Mortgage · Conventional with PMI CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2013 · Amount on Record
Deed Sale	Dec 20, 2013 · Amount on Record
Prior Sale	Dec 20, 2013 · Amount on Record
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MASHPEE MA
Property Address	176 SURF DR, MASHPEE, MA 02649-3730
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001451075
Date	Jan 31, 2022
Instrument	1451075

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MASHPEE MA
Property Address	176 SURF DR, MASHPEE, MA 02649-3730
Document Number	0001315643
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	Mar 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001315643
Date	Feb 24, 2017
Instrument	1315643

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Mashpee Town
Unified School District	Mashpee School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,559.00 (+13.15%)	$688,700 (+19.84%) Land $222,700 Building $466,000	$727,795
2023	$4,029.00	$574,700 Land $208,900 Building $365,800

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 141 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	164 units insured incl. 23 condo units
Nearby Flood Claims	27 (1991–2023)
Claims Outside the SFHA	2 of 27
Most Recent Claim	Jan 2023 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims Hurricane Bob, Aug 1991 · 4 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	MASHPEE WATER DISTRICT serves 36,922 people · EPA ID MA4172039
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	1 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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