20 Truman Ln, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 20 Truman Ln, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,743 sqft · built 1978
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Company Names on Record
Last Sale	$842,000 (Jun 2025)
Tax Bill	$5,290 (2025)
Deeds & Mortgages	May 2026 Transfer Jun 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`COTU M:039 L:145`

Property Details

APN / Parcel Number

Primary APN	`COTU M:039 L:145`
Alternative APN	`24217`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,743 sqft Living Area
Gross Area	4,087 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	24217
Street Address	20 TRUMAN LN
City	COTUIT
State	MA
Zip	02635-2717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	145
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3006
Census Tract	13200

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 Company Names on Record
Mailing Address	20 TRUMAN LN, COTUIT, MA 02635-2717
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Quit Claim Deed, Transfer Quitclaim
Jun 23, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WILLIAM RAVEIS MORTGAGE CO
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME PT FIN'L
Jan 6, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK
May 5, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2025 · Amount on Record
Deed Sale	Jun 23, 2025 · Amount on Record
Prior Sale	Nov 29, 2004 · Amount on Record
Deed Document Number	20251525354
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COTUIT MA
Recording Date	May 8, 2026
Property Address	20 TRUMAN LN, COTUIT, MA 02635-2717
Document Number	0001543379
Instrument Date	Apr 28, 2026
Instrument	20261543379
Transaction Type	Transfer
Record Updated	Aug 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 TRUMAN LN, COTUIT, MA 02635-2717

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COTUIT MA
Recording Date	Jun 23, 2025
Property Address	20 TRUMAN LN, COTUIT, MA 02635-2717
Document Number	0001525354
Instrument Date	Jun 23, 2025
Instrument	1525354
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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
Relationship	Tenants by the Entirety
Address	20 TRUMAN LN, COTUIT, MA 02635-2717

Mortgage

Document Number	0001525355
Date	Jun 23, 2025
Instrument	1525355

Lender

Name	WILLIAM RAVEIS MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	20 TRUMAN LN, COTUIT, MA 02635-2717
Document Number	0001397734
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 TRUMAN LN COTUIT MA 026352717, COTUIT, MA 02635-2717

Mortgage

Document Number	0001397734
Date	Jun 10, 2020
Instrument	1397734

Lender

Name	HOME PT FIN'L

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 9, 2035

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	20 TRUMAN LN, COTUIT, MA 02635-2717
Document Number	0001389867
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 TRUMAN LN COTUIT MA 026352717, COTUIT, MA 02635-2717

Mortgage

Document Number	0001389867
Date	Feb 6, 2020
Instrument	1389867

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	20 TRUMAN LN, COTUIT, MA 02635-2717
Document Number	0001322304
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001322304
Date	May 30, 2017
Instrument	1322304

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,290.00 (+6.65%)	$633,500 (+0.65%) Land $180,700 Building $452,800	$793,250
2024	$4,960.00 (+5.15%)	$629,400 (+11.67%) Land $180,700 Building $448,700
2023	$4,717.00	$563,600 Land $178,600 Building $385,000

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (1991–1997)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 1997 · tidal / storm surge
Claims by Event	Hurricane Bob, Aug 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 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	COTUIT FIRE DISTRICT WATER DEPARTMENT serves 4,938 people · EPA ID MA4020003
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	3 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 107 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

Cell Coverage

5G (outdoors only) and 4G LTE

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