23 Stephen Dr, Chatham, MA 02633 Property Records

Barnstable County and Chatham Town property record for 23 Stephen Dr, Chatham, MA 02633

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,354 sqft · built 1999
Lot Size	0.328 acres (14,300 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,812 (2025)
Deeds & Mortgages	Mar 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`CHAT M:08D B:0068 L:G23`

Property Details

APN / Parcel Number

Primary APN	`CHAT M:08D B:0068 L:G23`
Alternative APN	`6842`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,354 sqft Living Area
Gross Area	2,948 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2001
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,300 sqft (0.328 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	6842
Street Address	23 STEPHEN DR
City	CHATHAM
State	MA
Zip	02633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Block	68
Legal Lot Number	G23
Jurisdiction	CHATHAM MA
Township / Civil Division	CHATHAM
Census Block Group	3
Census Block	3011
Census Tract	10700

Owner

Source: Barnstable County and Chatham Town 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	PO BOX 924, WEST CHATHAM, MA 02669-0924
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	23 STEPHEN DR, CHATHAM, MA 02633
Transaction Type	Mortgage
Record Updated	Apr 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001477826
Date	Mar 20, 2023
Instrument	1477826

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,812.00 (+3%)	$810,300 (+5.95%) Land $391,200 Building $419,100	$798,190
2024	$2,730.00 (+4.64%)	$764,800 (+13.74%) Land $369,000 Building $395,800
2023	$2,609.00	$672,400 Land $307,500 Building $364,900

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 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 84 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	86 units insured incl. 2 condo units
Nearby Flood Claims	6 (1987–2013)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2013 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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	CHATHAM WATER DEPARTMENT serves 30,000 people · EPA ID MA4055000
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 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	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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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