20 Clam Shell Dr, Chatham, MA 02633 Property Records

Barnstable County and Chatham Town property record for 20 Clam Shell Dr, Chatham, MA 02633

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Lot Size	0.185 acres (8,075 sqft)
Owner	Individual Name on Record
Last Sale	$860,000 (Feb 2021)
Tax Bill	$4,174 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`CHAT M:16A B:0042 L:H72`

Property Details

APN / Parcel Number

Primary APN	`CHAT M:16A B:0042 L:H72`
Alternative APN	`3604`

Exterior

Lot Area	8,075 sqft (0.185 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	3604
Street Address	20 CLAM SHELL DR
City	CHATHAM
State	MA
Zip	02633-2518
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	R40
Legal Block	42
Legal Lot Number	H72
Jurisdiction	CHATHAM MA
Township / Civil Division	CHATHAM
Census Block Group	2
Census Block	2007
Census Tract	10700

Owner

Source: Barnstable County and Chatham 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	44 EASTERN POINT DR, SHREWSBURY, MA 01545-2173
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2017	Deed of Trust, Mortgage · ARM WINCHESTER COOPERATIVE BANK
Feb 9, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK
Aug 15, 2019	Trustee's Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2021 · Amount on Record
Deed Sale	Feb 9, 2021 · Amount on Record
Prior Sale	Oct 29, 2003 · Amount on Record
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	20 CLAM SHELL DR, CHATHAM, MA 02633-2518
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001331004
Date	Sep 29, 2017
Instrument	1331004

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHATHAM MA
Recording Date	Feb 9, 2021
Property Address	20 CLAM SHELL DR, CHATHAM, MA 02633-2518
Document Number	0001419595
Instrument Date	Oct 30, 2020
Instrument	1419595
Transaction Type	Transfer
Record Updated	Jan 28, 2022

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
Address	44 EASTERN POINT DR, SHREWSBURY, MA 01545-2173

Mortgage

Document Number	0001419596
Date	Feb 9, 2021
Instrument	1419596

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2019: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	CHATHAM MA
Recording Date	Aug 15, 2019
Property Address	20 CLAM SHELL DR, CHATHAM, MA 02633-2518
Document Number	0001376527
Instrument Date	Aug 14, 2019
Instrument	1376527
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	83 NEWBERN AVE MEDFORD MA 021556430, MEDFORD, MA 02155-6430

Tax Assessment & Valuation

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	$4,174.00 (+3.01%)	$1,202,900 (+5.97%) Land $838,800 Building $364,100	$1,424,620
2024	$4,052.00 (+16.37%)	$1,135,100 (+26.47%) Land $791,300 Building $343,800
2023	$3,482.00	$897,500 Land $599,400 Building $298,100

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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