20 Valley Rd, Eastham, MA 02642 Property Records

Barnstable County and Eastham Town property record for 20 Valley Rd, Eastham, MA 02642

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,890 sqft · built 1985
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Trust Names on File
Tax Bill	$7,457 (2025)
Deeds & Mortgages	Jan 2022 Reverse Mortgage Mar 2020 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`EAST M:0007 L:0100`

Property Details

APN / Parcel Number

Primary APN	`EAST M:0007 L:0100`
Alternative APN	`1584`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1584
Street Address	20 VALLEY RD
City	EASTHAM
State	MA
Zip	02642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Lot Number	100
Jurisdiction	EASTHAM MA
Township / Civil Division	EASTHAM
Census Block Group	2
Census Block	2021
Census Tract	10306

Owner

20 Valley Rd is held in a trust since February 2020.

Source: Barnstable County and Eastham Town records, as of July 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 1570, NORTH EASTHAM, MA 02651-1570
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Mar 31, 2020	Quit Claim Deed, Transfer · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Sep 16, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 24, 2020
Transfer Doc	32799-224
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EASTHAM MA
Property Address	20 VALLEY RD, EASTHAM, MA 02642
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034869-341
Date	Jan 31, 2022
Book Page	34869/341
Instrument	5332

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	889 Months
Due	Feb 1, 2096

Interest

Rate Type	Adjustable Rate
Rate	1.96%
Type Change Date	Feb 1, 2022
Index	Other

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EASTHAM MA
Recording Date	Mar 31, 2020
Property Address	20 VALLEY RD, EASTHAM, MA 02642
Document Number	32799-224
Book / Page	32799 / 224
Instrument Date	Feb 24, 2020
Instrument	16056
Transaction Type	Transfer
Record Updated	May 11, 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
Address	20 VALLEY RD, EASTHAM, MA 02642

Mortgage

Document Number	032799-226
Date	Mar 31, 2020
Book Page	32799/226
Instrument	16057

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Type Change Date	Mar 1, 2021

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EASTHAM MA
Recording Date	Sep 16, 2019
Property Address	20 VALLEY RD, EASTHAM, MA 02642
Document Number	32298-167
Book / Page	032298 / 000167
Instrument Date	Aug 1, 2019
Instrument	44617
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 1570 NORTH EASTHAM MA 026511570, NORTH EASTHAM, MA 02651-1570

Tax Assessment & Valuation

The 2025 property tax bill for 20 Valley Rd was $7,457, up 13.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Eastham Town
Elementary School District	Eastham School District (PK - 05)
Secondary School District	Nauset School District (06 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,457.00 (+13.35%)	$967,200 (+3.06%) Land $403,400 Building $563,800	$978,405
2024	$6,579.00 (+10.7%)	$938,500 (+14.34%) Land $391,600 Building $546,900
2023	$5,943.00	$820,800 Land $338,500 Building $482,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Valley Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1991.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (1991–1995)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 1995 · tidal / storm surge

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

The area around 20 Valley Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	TOWN OF EASTHAM serves 6,199 people · EPA ID MA4086095
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2021–2023) 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 283 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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