20 Gamba Rd, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 20 Gamba Rd, Oak Bluffs, MA 02557

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Lot Size	2.59 acres (113,144 sqft)
Owner	2 Individual Names on Record
Last Sale	$114,000 (May 1998)
Tax Bill	$8,164 (2025)
Deeds & Mortgages	Jul 2021 Refinance May 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0049 B:0013 L:000`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0049 B:0013 L:000`
Alternative APN	`4353`

Exterior

Lot Area	113,144 sqft (2.59 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	4353
Street Address	20 GAMBA RD
City	OAK BLUFFS
State	MA
Zip	02557-6915
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Subdivision	OAK BLUFFS
Legal Block	13
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	3
Census Block	3026
Census Tract	200200

Owner

Source: Dukes County and Oak Bluffs Town records, as of October 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 Record
Mailing Address	455 STATE RD, VINEYARD HAVEN, MA 02568-5695
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO
May 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Feb 2, 2021	Quit Claim Deed, Transfer Quitclaim
May 14, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 19, 2018	Deed of Trust, Mortgage · Line of Credit ROCKLAND TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 1998 · Amount on Record
Deed Sale	May 18, 1998 · Amount on Record
Prior Sale	May 3, 1991 · Amount on Record
Deed Book / Page	730 / 227
Last Transfer Date	Jan 15, 2021
Transfer Doc	1563-271
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	20 GAMBA RD, OAK BLUFFS, MA 02557-6915
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001586-134
Date	Jul 8, 2021
Book Page	1586/134
Instrument	5550

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	20 GAMBA RD, OAK BLUFFS, MA 02557-6915
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001580-81
Date	May 25, 2021
Book Page	1580/81
Instrument	4250

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Feb 2, 2021
Property Address	20 GAMBA RD, OAK BLUFFS, MA 02557-6915
Document Number	001563-271
Book / Page	1563 / 271
Instrument Date	Jan 15, 2021
Instrument	857
Transaction Type	Transfer
Record Updated	Dec 21, 2021

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 by the Entirety
Address	455 STATE RD PMB 30, VINEYARD HAVEN, MA 02568-5695

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	May 14, 2020
Property Address	20 GAMBA RD, OAK BLUFFS, MA 02557-6915
Document Number	1528-1057
Book / Page	001528 / 001057
Instrument Date	Mar 10, 2020
Instrument	2716
Transaction Type	Transfer
Record Updated	Jun 2, 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	Revocable Trust
Address	455 STATE RD VINEYARD HAVEN MA 025685695, VINEYARD HAVEN, MA 02568-5695

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	20 GAMBA RD, OAK BLUFFS, MA 02557-6915
Document Number	1459-458
Book / Page	001459 / 000458
Instrument Date	Jan 19, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1459-458
Date	Jan 29, 2018
Book Page	001459/000458
Instrument	591

Lender

Name	ROCKLAND TR

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$8,164.00 (-11.6%)	$1,616,700 (-8.44%) Land $603,700 Building $1,013,000	$1,462,205
2024	$9,235.00 (+7.05%)	$1,765,800 (+8.07%) Land $548,600 Building $1,217,200
2023	$8,627.00	$1,633,900 Land $533,100 Building $1,100,800

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 55 policies
Nearby Flood Policies	55 in force
Nearby Flood Claims	7 (1978–2012)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Coastal Storm, Oct 1991 · 2 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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