195 County Rd, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 195 County Rd, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,186 sqft · built 1980
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Jan 2025)
Tax Bill	$4,041 (2025)
Deeds & Mortgages	Jan 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0016 B:0041 L:001`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0016 B:0041 L:001`
Alternative APN	`2528`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,186 sqft Living Area
Gross Area	2,016 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2528
Street Address	195 COUNTY RD
City	OAK BLUFFS
State	MA
Zip	02557-6815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	41
Legal Lot Number	1
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	5
Census Block	5013
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 Individual Names on Record
Mailing Address	81 12TH ST N, EDGARTOWN, MA 02539-6728
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2025 · Amount on Record
Deed Sale	Jan 30, 2025 · Amount on Record
Record Updated	Oct 29, 2026

January 2025: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Jan 30, 2025
Property Address	195 COUNTY RD, OAK BLUFFS, MA 02557-6815
Document Number	0000095652
Instrument Date	Jan 30, 2025
Instrument	95652
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants
Address	81 12TH ST N, EDGARTOWN, MA 02539-6728

Mortgage

Document Number	0000095653
Date	Jan 30, 2025
Instrument	95653

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Feb 1, 2030
Max Rate At Change	2.5%
Index	1-Year CMT

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	$4,041.00 (+2.46%)	$800,200 (+6.11%) Land $482,900 Building $317,300	$1,000,570
2024	$3,944.00 (+6.39%)	$754,100 (+7.41%) Land $438,800 Building $315,300
2023	$3,707.00	$702,100 Land $426,400 Building $275,700

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
Nearby Flood Policies	9 in force

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	Not rated no burnable land within 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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