225 E Chop Dr, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 225 E Chop Dr, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,449 sqft · built 1950
Lot Size	0.505 acres (22,000 sqft)
Owner	2 Company Names on Record
Last Sale	$2,300,000 (Sep 2020)
Tax Bill	$19,076 (2025)
Deeds & Mortgages	Mar 2025 Line of Credit May 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0002 B:0083 L:001`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0002 B:0083 L:001`
Alternative APN	`162`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,449 sqft Living Area
Gross Area	3,807 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2011
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,000 sqft (0.505 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	162
Street Address	225 E CHOP DR
City	OAK BLUFFS
State	MA
Zip	02557-6853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	OAK BLUFFS
Legal Block	83
Legal Lot Number	1
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	1
Census Block	1004
Census Tract	200200

Owner

Source: Dukes County and Oak Bluffs Town records, as of October 20, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 2844, OAK BLUFFS, MA 02557-2844
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2025	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
May 27, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 18, 2020	Fiduciary Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2020 · Amount on Record
Deed Sale	Sep 18, 2020 · Amount on Record
Prior Sale	Nov 21, 2013 · Amount on Record
Deed Book / Page	1543 / 285
Last Transfer Date	May 17, 2022
Transfer Doc	0001627-24
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	225 E CHOP DR, OAK BLUFFS, MA 02557-6853
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001704-973
Date	Mar 24, 2025
Book Page	1704/973
Instrument	1331

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	May 27, 2022
Property Address	225 E CHOP DR, OAK BLUFFS, MA 02557-6853
Document Number	0001627-24
Book / Page	1627 / 24
Instrument Date	May 17, 2022
Instrument	3596
Transaction Type	Transfer
Record Updated	Jun 10, 2022

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	PO BOX 2844, OAK BLUFFS, MA 02557-2844

September 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Sep 18, 2020
Property Address	225 E CHOP DR, OAK BLUFFS, MA 02557-6853
Document Number	1543-285
Book / Page	1543 / 285
Instrument Date	Sep 11, 2020
Instrument	5649
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 2844, OAK BLUFFS, MA 02557-2844

Mortgage

Document Number	5650
Date	Sep 18, 2020
Instrument	5650

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Dukes County and Oak Bluffs Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Oak Bluffs Town
Elementary School District	Oak Bluffs School District (PK - 08)
Secondary School District	Martha's Vineyard School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,076.00 (+1.22%)	$3,777,500 (+4.82%) Land $2,321,100 Building $1,456,400	$3,045,152
2024	$18,847.00 (+4.12%)	$3,603,700 (+5.11%) Land $2,109,300 Building $1,494,400
2023	$18,102.00	$3,428,400 Land $2,049,500 Building $1,378,900

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 February 7, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	18 (1991–2018)
Most Recent Claim	Mar 2018 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 6 claims Coastal Storm, Oct 1991 · 4 claims Hurricane Bob, Aug 1991 · 5 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	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	OAK BLUFFS WATER DISTRICT serves 24,000 people · EPA ID MA4221000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 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. 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 123 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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