Nantucket County and Nantucket Town property record for 28 Rugged Rd, Nantucket, MA 02554
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3.5 ba · 3,241 sqft · built 1995 |
| Lot Size | 0.529 acres (23,049 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,506,000 (Dec 2020) |
| Tax Bill | $7,306 (2026) |
| Deeds & Mortgages | Dec 2022 Mortgage Jun 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | NANT M:00067 P:00067 |
| Primary APN | NANT M:00067 P:00067 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 3,241 sqft Living Area |
| Gross Area | 5,230 sqft |
| 1st Floor Area | 1,468 sqft |
| Basement Area | 986 sqft |
| Unfinished Basement | 986 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,049 sqft (0.529 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 5332 |
|---|---|
| Street Address | 28 RUGGED RD |
| City | NANTUCKET |
| State | MA |
| Zip | 02554-2859 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R20 |
| Legal Subdivision | PLAN 36712-C |
| Jurisdiction | NANTUCKET MA |
| Township / Civil Division | NANTUCKET |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 950400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Nantucket Historic District listed 1966 · National Historic Landmark (designated 1966) · NRIS 66000772 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
28 Rugged Rd, a duplex, is owned and occupied by two individuals who bought it in December 2020.
Source: Nantucket County and Nantucket Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 RUGGED RD, NANTUCKET, MA 02554-2859 |
| 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 |
|---|---|
| Dec 21, 2022 | Deed of Trust, Mortgage · ARM BAY STATE SAVINGS BANK |
| Jun 7, 2019 | Deed of Trust, Mortgage · Unknown BAY STATE SAVINGS BANK |
| Aug 28, 2020 | Deed of Trust, Mortgage · ARM HINGHAM INSTITUTION FOR SAVINGS |
| Dec 15, 2020 | Quit Claim Deed, Transfer CAPE COD CO-OP BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2020 · Amount on File |
| Deed Sale | Dec 15, 2020 · Amount on File |
| Prior Sale | Nov 5, 2018 · Amount on File |
| Prior Transfer Date | Dec 14, 2020 |
| Prior Transfer Doc | 0000167681 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NANTUCKET MA |
| Property Address | 28 RUGGED RD, NANTUCKET, MA 02554-2859 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000176093 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 176093 |
| Name | BAY STATE SAVINGS BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Type Change Date | Jan 1, 2033 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NANTUCKET MA |
| Property Address | 28 RUGGED RD, NANTUCKET, MA 02554-2859 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000161958 |
|---|---|
| Date | Jun 7, 2019 |
| Instrument | 161958 |
| Name | BAY STATE SAVINGS BANK |
|---|
| Type | Unknown |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NANTUCKET MA |
| Property Address | 28 RUGGED RD, NANTUCKET, MA 02554-2859 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000166171 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 166171 |
| Name | HINGHAM INSTITUTION FOR SAVINGS |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Sep 1, 2060 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.63% |
| Type Change Date | Sep 1, 2025 |
| Index | 5-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NANTUCKET MA |
| Recording Date | Dec 15, 2020 |
| Property Address | 28 RUGGED RD, NANTUCKET, MA 02554-2859 |
| Document Number | 0000167681 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 167681 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,867.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 BAYBERRY LN NANTUCKET MA 025542800, NANTUCKET, MA 02554-2800 |
| Document Number | 167682 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 167682 |
| Name | CAPE COD CO-OP BK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 384 Months |
| Due | Dec 14, 2052 |
The 2026 property tax bill for 28 Rugged Rd was $7,306, up 4.9% from the year before.
Source: Nantucket County and Nantucket Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Nantucket County |
| County Subdivision | Nantucket Town |
| Unified School District | Nantucket School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,306.00 (+4.9%) | $2,341,700 (+10.28%) Land $1,042,300 Building $1,299,400 | $3,014,687 |
| 2025 | $6,965.00 (+5.77%) | $2,123,400 (+0.94%) Land $745,200 Building $1,378,200 | |
| 2024 | $6,585.00 (+17.44%) | $2,103,700 (+20.43%) Land $745,200 Building $1,358,500 | |
| 2023 | $5,607.00 | $1,746,800 Land $709,800 Building $1,037,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Rugged Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1991.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 3 (1991–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jun 2011 · rainfall accumulation |
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 risk around 28 Rugged Rd is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | WANNACOMET WATER COMPANY serves 27,703 people · EPA ID MA4197000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 67 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.
Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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