20 S Summer St, Edgartown, MA 02539 Property Records

Dukes County and Edgartown Town property record for 20 S Summer St, Edgartown, MA 02539

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4 bd · 3 ba · 5,493 sqft · built 1890
Lot Size	0.142 acres (6,190 sqft)
Owner	Company Name on Record
Tax Bill	$3,852 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R3840`

Property Details

APN / Parcel Number

Primary APN	`R3840`
Alternative APN	`EDGA M:020D B:0132 L`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Units	2 Units
Stories	2 Stories
Building Area	5,493 sqft Total Area
Gross Area	6,597 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Wood Shingle
Lot Area	6,190 sqft (0.142 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	R3840
Street Address	20 S SUMMER ST
City	EDGARTOWN
State	MA
Zip	02539
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	B1
Legal Block	132
Jurisdiction	EDGARTOWN MA
Township / Civil Division	EDGARTOWN
Census Block Group	2
Census Block	2056
Census Tract	200300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Edgartown Village Historic District listed 1983 · 423 contributing resources · NRIS 83003967

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Dukes County and Edgartown 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	Company Name on Record
Mailing Address	955 URLIN AVE, COLUMBUS, OH 43212-3322
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage MARTHA VINEYARD SB
Dec 13, 2019	Deed of Trust, Mortgage MARTHA VINEYARD SB
Dec 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage MARTHA VINEYARD SB
Jul 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage MARTHA VINEYARD SB
Mar 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage MARTHA VINEYARD SB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2015
Deed Sale	Mar 31, 2015
Prior Sale	Jan 30, 2015 · Amount on Record
Deed Document Number	20151772
Deed Book / Page	1372 / 256
Transfer Doc	1367-182
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGARTOWN MA
Property Address	20 S SUMMER ST, EDGARTOWN, MA 02539
Document Number	1533-144
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	955 URLIN AVE COLUMBUS OH 432123322, COLUMBUS, OH 43212-3322

Mortgage

Document Number	1533-144
Date	Jun 26, 2020
Book Page	001533/000144
Instrument	3596

Lender

Name	MARTHA VINEYARD SB
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGARTOWN MA
Property Address	20 S SUMMER ST, EDGARTOWN, MA 02539
Document Number	1514-982
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	955 URLIN AVE COLUMBUS OH 432123322, COLUMBUS, OH 43212-3322

Mortgage

Document Number	1514-982
Date	Dec 13, 2019
Book Page	001514/000982
Instrument	7389

Lender

Name	MARTHA VINEYARD SB
Type	Federal Savings Bank

Agreement

Amount	Amount Recorded

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGARTOWN MA
Property Address	20 S SUMMER ST, EDGARTOWN, MA 02539
Document Number	1484-102
Instrument Date	Dec 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	955 URLIN AVE EDGARTOWN MA 02539, EDGARTOWN, MA 02539

Mortgage

Document Number	1484-102
Date	Dec 17, 2018
Book Page	001484/000102
Instrument	7207

Lender

Name	MARTHA VINEYARD SB
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGARTOWN MA
Property Address	20 S SUMMER ST, EDGARTOWN, MA 02539
Document Number	1471-560
Instrument Date	Jul 9, 2018
Transaction Type	Mortgage
Record Updated	Jul 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	20 S SUMMER ST EDGARTOWN MA 02539, EDGARTOWN, MA 02539

Mortgage

Document Number	1471-560
Date	Jul 10, 2018
Book Page	001471/000560
Instrument	3768

Lender

Name	MARTHA VINEYARD SB
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGARTOWN MA
Property Address	20 S SUMMER ST, EDGARTOWN, MA 02539
Document Number	1435-166
Instrument Date	Mar 30, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	1435-166
Date	Mar 30, 2017
Book Page	001435/000166
Instrument	2209

Lender

Name	MARTHA VINEYARD SB
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Dukes County and Edgartown Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Edgartown Town
Secondary School District	Martha's Vineyard School District (09 - 12)
Elementary School District	Edgartown School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,852.00 (-58.01%)	$1,553,200 (-55.13%) Land $454,300 Building $1,098,900	$3,993,673
2025	$9,173.00 (+3.92%)	$3,461,600 (-) Land $1,012,300 Building $2,449,300
2024	$8,827.00 (+4.24%)	$3,461,600 (+3.01%) Land $1,012,300 Building $2,449,300
2023	$8,468.00	$3,360,300 Land $911,000 Building $2,449,300

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 221 individual policies
Nearby Flood Policies	311 units insured incl. 90 condo units
Nearby Flood Claims	40 (1978–2024)
Claims Outside the SFHA	4 of 40
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Coastal Storm, Oct 1991 · 12 claims Hurricane Bob, Aug 1991 · 7 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 6 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 99.8% of the US · lower than 99.9% 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	EDGARTOWN WATER DEPARTMENT serves 8,027 people · EPA ID MA4089000
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	6 ppb (2023–2025) 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 393 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

May also be available: AT&T.

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