28 Beach Rd, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 28 Beach Rd, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,800 sqft · built 2017
Lot Size	0.99 acres (43,124 sqft)
Owner	Company Name on Record
Last Sale	$1,510,000 (Apr 2019)
Tax Bill	$12,094 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2026 Mortgage + 3 more
Flood Zone	Zone VE (high risk)
APN	`OAKB M:0006 B:0037 L:000`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0006 B:0037 L:000`
Alternative APN	`664`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,800 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,124 sqft (0.99 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	664
Street Address	28 BEACH RD
City	OAK BLUFFS
State	MA
Zip	02557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	37
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	1
Census Block	1021
Census Tract	200200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	72 RIDGEBURY RD, AVON, CT 06001-3825
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage
Jun 26, 2026	Deed of Trust, Mortgage
Feb 13, 2026	Deed of Trust, Mortgage · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC
Sep 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SILVER HILL FUNDING
Apr 5, 2019	Quit Claim Deed, Transfer KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2019 · Amount on Record
Deed Sale	Apr 5, 2019 · Amount on Record
Prior Sale	Apr 3, 2015 · Amount on Record
Deed Document Number	20191810
Deed Book / Page	1492 / 888
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Recording Date	Aug 28, 2026
Property Address	28 BEACH RD, OAK BLUFFS, MA 02557
Document Number	0000003955
Book / Page	1744 / 720
Instrument Date	Aug 26, 2026
Instrument	20263955
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003955,
Date	Aug 28, 2026
Book Page	1744/720
Instrument	20263955

Lender

Agreement

Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Recording Date	Jun 26, 2026
Property Address	28 BEACH RD, OAK BLUFFS, MA 02557
Document Number	0000002945
Book / Page	1740 / 246
Instrument Date	Jun 19, 2026
Instrument	20262945
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002945,
Date	Jun 26, 2026
Book Page	1740/246
Instrument	20262945

Lender

Agreement

Amount	Amount Recorded

Interest

Rate	6.51%
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	28 BEACH RD, OAK BLUFFS, MA 02557
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001729-812
Date	Feb 13, 2026
Book Page	1729/812
Instrument	642

Lender

Name	VELOCITY COMMERCIAL CAPITAL LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	28 BEACH RD, OAK BLUFFS, MA 02557
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001635-700
Date	Sep 9, 2022
Book Page	1635/700
Instrument	5670

Lender

Name	SILVER HILL FUNDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Apr 5, 2019
Property Address	28 BEACH RD, OAK BLUFFS, MA 02557
Document Number	1492-888
Book / Page	001492 / 000888
Instrument Date	Apr 5, 2019
Instrument	10
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,885.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 RIDGEBURY RD AVON CT 060013825, AVON, CT 06001-3825

Mortgage

Document Number	1492-890
Date	Apr 5, 2019
Book Page	001492/000890
Instrument	11

Lender

Name	KEYBANK USA
Type	Bank

Agreement

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	$12,094.00 (+2.93%)	$2,394,800 (+6.6%) Land $1,542,100 Building $852,700	$3,288,463
2024	$11,750.00 (+4.85%)	$2,246,600 (+5.86%) Land $1,401,400 Building $845,200
2023	$11,206.00	$2,122,300 Land $1,361,700 Building $760,600

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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