274 Cedar St, Chatham, MA 02633 Property Records

Barnstable County and Chatham Town property record for 274 Cedar St, Chatham, MA 02633

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 1948
Lot Size	0.26 acres (11,305 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,016 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jun 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`CHAT M:12B B:0029 L:10`

Property Details

APN / Parcel Number

Primary APN	`CHAT M:12B B:0029 L:10`
Alternative APN	`1079`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,284 sqft Living Area
Gross Area	2,901 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1986
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,305 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1079
Street Address	274 CEDAR ST
City	CHATHAM
State	MA
Zip	02633-2113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Subdivision	WILLIAM B LONG
Legal Block	29
Legal Lot Number	10
Jurisdiction	CHATHAM MA
Township / Civil Division	CHATHAM
Census Block Group	2
Census Block	2037
Census Tract	10700

Owner

274 Cedar St is owner-occupied and held in a trust since June 2017.

Source: Barnstable County and Chatham Town records, as of September 15, 2026

Owner of Record	2 Trust Names on File
Mailing Address	274 CEDAR ST, CHATHAM, MA 02633-2113
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SAVINGS BANK
Jun 22, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2017
Deed Sale	Jun 22, 2017
Prior Sale	Oct 12, 2011 · Amount on File
Deed Document Number	201731070
Deed Book / Page	30578 / 30
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Recording Date	Aug 24, 2026
Property Address	274 CEDAR ST, CHATHAM, MA 02633-2113
Document Number	0000034853
Book / Page	37813 / 299
Instrument Date	Aug 19, 2026
Instrument	202634853
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034853,
Date	Aug 24, 2026
Book Page	37813/299
Instrument	202634853

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHATHAM MA
Recording Date	Jun 22, 2017
Property Address	274 CEDAR ST, CHATHAM, MA 02633-2113
Document Number	30578-30
Book / Page	030578 / 000030
Instrument Date	Jun 21, 2017
Instrument	31070
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	274 CEDAR ST CHATHAM MA 026332113, CHATHAM, MA 02633-2113

Tax Assessment & Valuation

The 2025 property tax bill for 274 Cedar St was $4,016, up 3% from the year before.

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	$4,016.00 (+3%)	$1,157,400 (+5.97%) Land $799,500 Building $357,900	$1,584,790
2024	$3,899.00 (+14.34%)	$1,092,200 (+24.27%) Land $754,300 Building $337,900
2023	$3,410.00	$878,900 Land $571,400 Building $307,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 274 Cedar St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 155 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	169 units insured incl. 14 condo units
Nearby Flood Claims	76 (1988–2023)
Claims Outside the SFHA	26 of 76
Most Recent Claim	Dec 2023 · tidal / storm surge
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 4 claims Blizzards, High Winds & Record Snowfall, Mar 1993 · 4 claims Coastal Storm, Oct 1991 · 34 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

Wildfire risk around 274 Cedar St is low, with less than a 0.01% annual chance of 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 88% 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 128 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

Cell Coverage

5G (outdoors only) and 4G LTE

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