Barnstable County and Barnstable Town City property record for 227 Bumps River Rd, Osterville, MA 02655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,706 sqft · built 1922 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | Individual Name on File |
| Last Sale | $380,000 (Jan 2019) |
| Tax Bill | $4,833 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance Dec 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OSTE M:120 L:041 |
| Primary APN | OSTE M:120 L:041 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,706 sqft Living Area |
| Gross Area | 2,700 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 42,689 sqft (0.98 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 62121 |
|---|---|
| Street Address | 227 BUMPS RIVER RD |
| City | OSTERVILLE |
| State | MA |
| Zip | 02655-1518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Lot Number | 41 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 13002 |
227 Bumps River Rd is owned and occupied by an individual who bought it in January 2019.
Source: Barnstable County and Barnstable Town City records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 227 BUMPS RIVER RD, OSTERVILLE, MA 02655-1518 |
| 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.
| Date | Document |
|---|---|
| Feb 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SHAMROCK HOME LOANS |
| Dec 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK |
| Apr 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage SHAMROCK HM LNS |
| Jan 30, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SHAMROCK FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2019 · Amount on File |
| Deed Sale | Jan 30, 2019 · Amount on File |
| Prior Sale | Aug 25, 2015 · Amount on File |
| Deed Book / Page | 31809 / 52 |
| Prior Transfer Date | Jan 29, 2019 |
| Prior Transfer Doc | 0000004417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 227 BUMPS RIVER RD, OSTERVILLE, MA 02655-1518 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 033750-120 |
|---|---|
| Date | Feb 2, 2021 |
| Book Page | 33750/120 |
| Instrument | 7618 |
| Name | SHAMROCK HOME LOANS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 227 BUMPS RIVER RD, OSTERVILLE, MA 02655-1518 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 034782-140 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 34782/140 |
| Instrument | 83669 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 227 BUMPS RIVER RD, OSTERVILLE, MA 02655-1518 |
| Document Number | 32831-327 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 227 BUMPS RIVER RD OSTERVILLE MA 026551518, OSTERVILLE, MA 02655-1518 |
| Document Number | 32831-327 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 032831/000327 |
| Instrument | 18197 |
| Name | SHAMROCK HM LNS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 14, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Jan 30, 2019 |
| Property Address | 227 BUMPS RIVER RD, OSTERVILLE, MA 02655-1518 |
| Document Number | 31809-52 |
| Book / Page | 31809 / 52 |
| Instrument Date | Jan 29, 2019 |
| Instrument | 4417 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 227 BUMPS RIVER RD, OSTERVILLE, MA 02655-1518 |
| Document Number | 4418 |
|---|---|
| Date | Jan 30, 2019 |
| Instrument | 4418 |
| Name | SHAMROCK FINANCIAL CORP |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 227 Bumps River Rd was $4,833, up 3.2% from the year before.
Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| Municipality | Barnstable Town City |
| Unified School District | Barnstable School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,833.00 (+3.16%) | $597,400 (-0.42%) Land $176,000 Building $421,400 | $708,890 |
| 2024 | $4,685.00 (+5.57%) | $599,900 (+12.74%) Land $176,000 Building $423,900 | |
| 2023 | $4,438.00 | $532,100 Land $160,000 Building $372,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 227 Bumps River Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1983) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 1983 · tidal / storm surge |
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.
The area around 227 Bumps River Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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