Barnstable County and Mashpee Town property record for 21 Cottage Ln, Mashpee, MA 02649
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,000 sqft · built 2019 |
| Lot Size | 0.105 acres (4,590 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $809,015 (Apr 2020) |
| Tax Bill | $7,996 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Nov 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22214 |
| Primary APN | 22214 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,000 sqft Living Area |
| Gross Area | 4,111 sqft |
| 1st Floor Area | 1,482 sqft |
| Basement Area | 1,482 sqft |
| Unfinished Basement | 1,482 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Cottage |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 4,590 sqft (0.105 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 22214 |
|---|---|
| Street Address | 21 COTTAGE LN |
| City | MASHPEE |
| State | MA |
| Zip | 02649-1505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Block | 125 |
| Jurisdiction | MASHPEE MA |
| Township / Civil Division | MASHPEE |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 15200 |
21 Cottage Ln is owned by two individuals who bought it in April 2020.
Source: Barnstable County and Mashpee Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2 HILLTOP PARK, WILBRAHAM, MA 01095-1753 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 24, 2025 | Deed of Trust, Mortgage MONSON SAVINGS BANK |
| Nov 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MONSON SAVINGS BANK |
| Apr 23, 2020 | Quit Claim Deed, Transfer · Conventional Mortgage MONSON SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2020 · Amount on File |
| Deed Sale | Apr 23, 2020 · Amount on File |
| Deed Document Number | 20201394713 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MASHPEE MA |
| Property Address | 21 COTTAGE LN, MASHPEE, MA 02649-1505 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001521774 |
|---|---|
| Date | Apr 24, 2025 |
| Instrument | 1521774 |
| Name | MONSON SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 301 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MASHPEE MA |
| Property Address | 21 COTTAGE LN, MASHPEE, MA 02649-1505 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1443960 |
|---|---|
| Date | Nov 4, 2021 |
| Instrument | 1443960 |
| Name | MONSON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MASHPEE MA |
| Recording Date | Apr 23, 2020 |
| Property Address | 21 COTTAGE LN, MASHPEE, MA 02649-1505 |
| Document Number | 0001394713 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 1394713 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,611.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2 HILLTOP PARK WILBRAHAM MA 010951753, WILBRAHAM, MA 01095-1753 |
| Document Number | 1394714 |
|---|---|
| Date | Apr 23, 2020 |
| Instrument | 1394714 |
| Name | MONSON SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 22, 2050 |
The 2025 property tax bill for 21 Cottage Ln was $7,996.
Source: Barnstable County and Mashpee Town assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| County Subdivision | Mashpee Town |
| Unified School District | Mashpee School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,996.00 | $1,207,800 Land $625,900 Building $581,900 | $1,491,025 |
| 2023 | $5,663.00 | $807,800 Land $348,400 Building $459,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Cottage Ln in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 1989.
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 File median of 229 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 248 units insured incl. 19 condo units |
| Nearby Flood Claims | 43 (1989–2023) |
| Claims Outside the SFHA | 17 of 43 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
| Claims by Event |
|
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 risk around 21 Cottage Ln is low, with less than a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MASHPEE WATER DISTRICT serves 36,922 people · EPA ID MA4172039 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2026 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 210 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 |
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