189 Cedar St, Chatham, MA 02633 Property Records

Barnstable County and Chatham Town property record for 189 Cedar St, Chatham, MA 02633

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,871 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,878 (2025)
Deeds & Mortgages	Aug 2022 Transfer Jan 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHAT M:13C B:0013 L:19`

Property Details

APN / Parcel Number

Primary APN	`CHAT M:13C B:0013 L:19`
Alternative APN	`1612`

Exterior

Lot Area	10,871 sqft (0.25 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	1612
Street Address	189 CEDAR ST
City	CHATHAM
State	MA
Zip	02633-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Block	13
Legal Lot Number	19
Jurisdiction	CHATHAM MA
Township / Civil Division	CHATHAM
Census Block Group	2
Census Block	2034
Census Tract	10700

Owner

189 Cedar St is owned and occupied by two individuals who acquired it in August 2022.

Source: Barnstable County and Chatham Town records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	189 CEDAR ST, CHATHAM, MA 02633-2112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Sep 14, 2017	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 29, 2022
Transfer Doc	035338-338
Record Updated	Sep 20, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHATHAM MA
Recording Date	Aug 31, 2022
Property Address	189 CEDAR ST, CHATHAM, MA 02633-2112
Document Number	035338-338
Book / Page	35338 / 338
Instrument Date	Aug 29, 2022
Instrument	43612
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	189 CEDAR ST, CHATHAM, MA 02633-2112

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	189 CEDAR ST, CHATHAM, MA 02633-2112
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034819-307
Date	Jan 11, 2022
Book Page	34819/307
Instrument	1474

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	189 CEDAR ST, CHATHAM, MA 02633-2112
Document Number	30771-281
Book / Page	030771 / 000281
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30771-281
Date	Sep 19, 2017
Book Page	030771/000281
Instrument	47398

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 18, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 189 Cedar St was $5,878, up 2.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,878.00 (+2.89%)	$1,694,000 (+5.85%) Land $1,192,600 Building $501,400	$2,718,995
2024	$5,713.00 (+7.35%)	$1,600,400 (+16.67%) Land $1,125,100 Building $475,300
2023	$5,322.00	$1,371,700 Land $937,500 Building $434,200

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

Flood

FEMA maps place 189 Cedar St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 155 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	169 units insured incl. 14 condo units
Nearby Flood Claims	76 (1988–2023)
Claims Outside the SFHA	26 of 76
Most Recent Claim	Dec 2023 · tidal / storm surge
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 4 claims Blizzards, High Winds & Record Snowfall, Mar 1993 · 4 claims Coastal Storm, Oct 1991 · 34 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

Wildfire risk around 189 Cedar St 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	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	CHATHAM WATER DEPARTMENT serves 30,000 people · EPA ID MA4055000
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 ppb (2026) 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 128 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

Cell Coverage

5G (outdoors only) and 4G LTE

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