18 Windy Hill Rd, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 18 Windy Hill Rd, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,714 sqft · built 2015
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Trust Names on Record
Last Sale	$665,000 (Jan 2017)
Tax Bill	$5,962 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0012 B:0182 L:000`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0012 B:0182 L:000`
Alternative APN	`2279`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,714 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2016
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2279
Street Address	18 WINDY HILL RD
City	OAK BLUFFS
State	MA
Zip	02557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	182
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	4
Census Block	4027
Census Tract	200200

Owner

Source: Dukes County and Oak Bluffs Town records, as of October 20, 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 Record
Mailing Address	383 WALDEN ST, CAMBRIDGE, MA 02138-1348
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · ARM CAPE COD FIVE CENTS SAVINGS BANK
Jan 2, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 6, 2017	Quit Claim Deed, Transfer CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2017 · Amount on Record
Deed Sale	Jan 6, 2017 · Amount on Record
Prior Sale	Jun 3, 2015 · Amount on Record
Deed Book / Page	1426 / 661
Last Transfer Date	May 22, 2024
Transfer Doc	001681-888
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	18 WINDY HILL RD, OAK BLUFFS, MA 02557
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001574-668
Date	Apr 20, 2021
Book Page	1574/668
Instrument	3161

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	May 1, 2031
Index	Other

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Jan 2, 2020
Property Address	18 WINDY HILL RD, OAK BLUFFS, MA 02557
Document Number	1516-795
Book / Page	001516 / 000795
Instrument Date	Nov 26, 2019
Instrument	11
Transaction Type	Transfer
Record Updated	Jan 21, 2020
Title Company	NOT AVAILABLE

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	383 WALDEN ST CAMBRIDGE MA 021381348, CAMBRIDGE, MA 02138-1348

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Jan 6, 2017
Property Address	18 WINDY HILL RD, OAK BLUFFS, MA 02557
Document Number	1426-661
Book / Page	1426 / 661
Instrument	120
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13.35
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14260663
Date	Jan 6, 2017
Instrument	01426/0663

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2047

Interest

Rate	2.88%
Max Rate At Change	20.1%
Max Rate	2.75%

Tax Assessment & Valuation

Source: Dukes County and Oak Bluffs Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Oak Bluffs Town
Elementary School District	Oak Bluffs School District (PK - 08)
Secondary School District	Martha's Vineyard School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,962.00 (+0.27%)	$1,180,600 (+3.84%) Land $499,000 Building $681,600	$1,447,491
2024	$5,946.00 (+7.76%)	$1,136,900 (+8.79%) Land $453,500 Building $683,400
2023	$5,518.00	$1,045,000 Land $440,600 Building $604,400

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 February 7, 2025 · 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
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (1992)
Most Recent Claim	Dec 1992 · Winter Coastal Storm

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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	OAK BLUFFS WATER DISTRICT serves 24,000 people · EPA ID MA4221000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2021–2023) 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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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