21 Crystal Ridge Rd, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 21 Crystal Ridge Rd, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,792 sqft · built 1989
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Last Sale	$545,000 (Apr 2017)
Tax Bill	$7,637 (2025)
Deeds & Mortgages	Oct 2021 Refinance Nov 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`COTU M:056 L:002014`

Property Details

APN / Parcel Number

Primary APN	`COTU M:056 L:002014`
Alternative APN	`409695`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,792 sqft Living Area
Gross Area	6,246 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,867 sqft (1.03 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	409695
Street Address	21 CRYSTAL RIDGE RD
City	COTUIT
State	MA
Zip	02635-2900
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	2014
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3004
Census Tract	13200

Owner

21 Crystal Ridge Rd is owned and occupied by an individual who bought it in April 2017.

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

Owner of Record	Individual Name on File
Mailing Address	21 CRYSTAL RIDGE RD, COTUIT, MA 02635-2900
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB
Nov 13, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage LEADER BK NA
Apr 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROCKLAND TR
Apr 27, 2017	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2017 · Amount on File
Deed Sale	Apr 27, 2017 · Amount on File
Prior Sale	Oct 5, 2001 · Amount on File
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	21 CRYSTAL RIDGE RD, COTUIT, MA 02635-2900
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001443021
Date	Oct 26, 2021
Instrument	1443021

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	21 CRYSTAL RIDGE RD, COTUIT, MA 02635-2900
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001491256
Date	Nov 13, 2023
Instrument	1491256

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	21 CRYSTAL RIDGE RD, COTUIT, MA 02635-2900
Document Number	0001377187
Instrument Date	Aug 21, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 CRYSTAL RIDGE RD COTUIT MA 026352900, COTUIT, MA 02635-2900

Mortgage

Document Number	0001377187
Date	Aug 26, 2019
Instrument	1377187

Lender

Name	LEADER BK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	21 CRYSTAL RIDGE RD, COTUIT, MA 02635-2900
Document Number	0001343895
Instrument Date	Apr 5, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001343895
Date	Apr 11, 2018
Instrument	1343895

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Apr 27, 2017
Property Address	21 CRYSTAL RIDGE RD, COTUIT, MA 02635-2900
Document Number	0001319756
Instrument Date	Apr 27, 2017
Instrument	1319756
Transaction Type	Transfer
Record Updated	May 16, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,106.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 ANNABLE POINT RD CENTERVILLE MA 026322425, CENTERVILLE, MA 02632-2425

Mortgage

Document Number	1319757
Date	Apr 27, 2017
Instrument	1319757

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 21 Crystal Ridge Rd was $7,637, up 10.7% from the year before.

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	$7,637.00 (+10.68%)	$914,600 (+4.45%) Land $203,300 Building $711,300	$1,145,700
2024	$6,900.00 (+2.63%)	$875,600 (+9.01%) Land $203,300 Building $672,300
2023	$6,723.00	$803,200 Land $200,900 Building $602,300

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

Flood

FEMA maps place 21 Crystal Ridge 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 21 Crystal Ridge Rd 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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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