214 Cotuit Bay Dr, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 214 Cotuit Bay Dr, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,410 sqft · built 1976
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,186 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`COTU M:056 L:016`

Property Details

APN / Parcel Number

Primary APN	`COTU M:056 L:016`
Alternative APN	`32048`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,410 sqft Living Area
Gross Area	5,413 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,848 sqft (0.8 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	32048
Street Address	214 COTUIT BAY DR
City	COTUIT
State	MA
Zip	02635-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	16
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3004
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 Individual Names on Record
Mailing Address	214 COTUIT BAY DR, COTUIT, MA 02635-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage EASTERN BANK
Sep 28, 2018	Quit Claim Deed, Transfer Quitclaim
Sep 28, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018
Deed Sale	Sep 28, 2018
Deed Document Number	201847977
Deed Book / Page	31561 / 11
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Recording Date	Apr 13, 2026
Property Address	214 COTUIT BAY DR, COTUIT, MA 02635-2917
Document Number	0037562-49
Book / Page	37562 / 49
Instrument Date	Apr 8, 2026
Instrument	202613799
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 COTUIT BAY DR, COTUIT, MA 02635-2917

Mortgage

Document Number	0000013799,
Date	Apr 13, 2026
Book Page	37562/49
Instrument	202613799

Lender

Name	EASTERN BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Sep 28, 2018
Property Address	214 COTUIT BAY DR, COTUIT, MA 02635-2917
Document Number	31561-9
Book / Page	031561 / 000009
Instrument Date	Aug 8, 2018
Instrument	47976
Transaction Type	Transfer
Record Updated	Jan 16, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 COTUIT BAY DR COTUIT MA 026352917, COTUIT, MA 02635-2917

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Sep 28, 2018
Property Address	214 COTUIT BAY DR, COTUIT, MA 02635-2917
Document Number	31561-11
Book / Page	031561 / 000011
Instrument Date	Aug 8, 2018
Instrument	47977
Transaction Type	Transfer
Record Updated	Jan 16, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 CENTERBROOK LN CENTERVILLE MA 026322055, CENTERVILLE, MA 02632-2055

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	$7,186.00 (+1%)	$860,600 (+3.8%) Land $294,200 Building $566,400	$963,015
2024	$6,533.00 (+4.24%)	$829,100 (+10.74%) Land $294,200 Building $534,900
2023	$6,267.00	$748,700 Land $291,100 Building $457,600

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
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 94% of the US · lower than 86% 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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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