22 Howard Ave, Buzzards Bay, MA 02532 Property Records

Barnstable County and Bourne Town property record for 22 Howard Ave, Buzzards Bay, MA 02532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 816 sqft · built 1980
Lot Size	0.342 acres (14,898 sqft)
Owner	2 Individual Names on Record
Last Sale	$233,000 (Feb 2003)
Tax Bill	$3,240 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BOUR M:35.1 P:113`

Property Details

APN / Parcel Number

Primary APN	`BOUR M:35.1 P:113`
Alternative APNs	`M:035.1 P:113.00 D:01` `7512`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
Gross Area	2,888 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,898 sqft (0.342 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7512
Street Address	22 HOWARD AVE
City	BUZZARDS BAY
State	MA
Zip	02532-4218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Jurisdiction	BOURNE MA
Township / Civil Division	BOURNE
Census Block Group	2
Census Block	2023
Census Tract	13900

Owner

Source: Barnstable County and Bourne Town records, as of September 9, 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	22 HOWARD AVE, BUZZARDS BAY, MA 02532-4218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST COMPANY
Feb 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SHAMROCK HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2003 · Amount on Record
Deed Sale	Feb 26, 2003 · Amount on Record
Prior Sale	Apr 28, 2000 · Amount on Record
Deed Book / Page	16459 / 334
Transfer Doc	20925-278
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Recording Date	Aug 20, 2026
Property Address	22 HOWARD AVE, BUZZARDS BAY, MA 02532-4218
Document Number	0000034421
Book / Page	37808 / 318
Instrument Date	Aug 14, 2026
Instrument	202634421
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 HOWARD AVE, BUZZARDS BAY, MA 02532-4218

Mortgage

Document Number	0000034421,
Date	Aug 20, 2026
Book Page	37808/318
Instrument	202634421

Lender

Name	ROCKLAND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Property Address	22 HOWARD AVE, BOURNE, MA 02532-4218
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33762-320
Date	Feb 5, 2021
Book Page	33762/320
Instrument	8710

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Bourne Town
Unified School District	Bourne School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,240.00 (+2.27%)	$414,900 (+5.04%) Land $195,200 Building $219,700	$441,750
2024	$3,168.00 (+2.89%)	$395,000 (+13.02%) Land $185,900 Building $209,100
2023	$3,079.00	$349,500 Land $164,500 Building $185,000

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 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	34 (1987–2022)
Claims Outside the SFHA	6 of 34
Most Recent Claim	Dec 2022 · river or lake flooding
Claims by Event	Hurricane Bob, Aug 1991 · 21 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	BOURNE WATER DISTRICT serves 22,500 people · EPA ID MA4036000
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	4 ppb (2025) action level 15 ppb
Copper	1.51 mg/L (2017) action level 1.3 mg/L

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. 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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