Barnstable County and Barnstable Town City property record for 20 Bay St, Osterville, MA 02655
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 984 sqft · built 1800 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $8,794 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | OSTE M:117 L:036 |
| Primary APN | OSTE M:117 L:036 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 984 sqft Living Area |
| Gross Area | 1,454 sqft |
| Year Built | Built 1800 |
|---|---|
| Effective Year Built | Effective 1800 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,185 sqft (0.67 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 57422 |
|---|---|
| Street Address | 20 BAY ST |
| City | OSTERVILLE |
| State | MA |
| Zip | 02655-2001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC;BA |
| Legal Lot Number | 36 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 13002 |
20 Bay St is owned and occupied by an individual.
Source: Barnstable County and Barnstable Town City records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 BAY ST, OSTERVILLE, MA 02655-2001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 20 Bay St was $8,794, up 3.6% from the year before.
Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| Municipality | Barnstable Town City |
| Unified School District | Barnstable School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,794.00 (+3.57%) | $1,087,000 (-0.02%) Land $927,100 Building $159,900 | $1,980,845 |
| 2024 | $8,491.00 (+12.96%) | $1,087,200 (+20.63%) Land $927,100 Building $160,100 | |
| 2023 | $7,517.00 | $901,300 Land $766,200 Building $135,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Bay 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 96 policies |
| Nearby Flood Policies | 96 in force |
| Nearby Flood Claims | 18 (1991–2018) |
| Claims Outside the SFHA | 5 of 18 |
| Most Recent Claim | Mar 2018 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 20 Bay St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CENTERVILLE OSTERVILLE MARSTONS MILLS WD serves 50,000 people · EPA ID MA4020002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 31 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.
Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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