20 Sharon Cir, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 20 Sharon Cir, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,104 sqft · built 1983
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$304,000 (Mar 2019)
Tax Bill	$3,670 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit May 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:122 L:145`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:122 L:145`
Alternative APN	`66467`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Gross Area	3,040 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	66467
Street Address	20 SHARON CIR
City	OSTERVILLE
State	MA
Zip	02655-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Lot Number	145
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1011
Census Tract	12900

Owner

Source: Barnstable County and Barnstable Town City 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	2 Individual Names on Record
Mailing Address	20 SHARON CIR, OSTERVILLE, MA 02655-1250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2025	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SAVINGS BANK
May 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Mar 1, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK
Dec 14, 2018	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EMERALD FUNDING INC
Dec 12, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2019 · Amount on Record
Deed Sale	Mar 1, 2019 · Amount on Record
Prior Sale	Dec 14, 2018 · Amount on Record
Deed Document Number	20199445
Deed Book / Page	31867 / 264
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	20 SHARON CIR, OSTERVILLE, MA 02655-1250
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00037120-1
Date	Aug 8, 2025
Book Page	37120/1
Instrument	31770

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	20 SHARON CIR, OSTERVILLE, MA 02655-1250
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34139-149
Date	May 24, 2021
Book Page	34139/149
Instrument	35092

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Mar 1, 2019
Property Address	20 SHARON CIR, OSTERVILLE, MA 02655-1250
Document Number	31867-264
Book / Page	31867 / 264
Instrument Date	Mar 1, 2019
Instrument	9445
Transaction Type	Transfer
Record Updated	May 11, 2021

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	20 SHARON CIR, OSTERVILLE, MA 02655-1250

Mortgage

Document Number	9446
Date	Mar 1, 2019
Instrument	9446

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Dec 14, 2018
Property Address	20 SHARON CIR, OSTERVILLE, MA 02655-1250
Document Number	31725-125
Book / Page	31725 / 125
Instrument Date	Dec 7, 2018
Instrument	62048
Transaction Type	Transfer
Record Updated	May 11, 2021

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	40 QUAIL RD, OSTERVILLE, MA 02655-2024

Mortgage

Document Number	62049
Date	Dec 14, 2018
Instrument	62049

Lender

Name	EMERALD FUNDING INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Dec 12, 2018
Property Address	20 SHARON CIR, OSTERVILLE, MA 02655-1250
Document Number	31722-291
Book / Page	031722 / 000291
Instrument Date	Oct 25, 2018
Instrument	61783
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 HEATHER RD ELLINGTON CT 060293610, ELLINGTON, CT 06029-3610

Tax Assessment & Valuation

Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
Municipality	Barnstable Town City
Unified School District	Barnstable School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,670.00 (+7.53%)	$453,600 (+3.8%) Land $152,600 Building $301,000	$576,840
2024	$3,413.00 (+4.05%)	$437,000 (+11.11%) Land $152,600 Building $284,400
2023	$3,280.00	$393,300 Land $138,700 Building $254,600

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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	Low lower than 99.1% of the US · lower than 98.7% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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