284 Seapuit River Rd, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 284 Seapuit River Rd, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 5,284 sqft · built 1996
Lot Size	1.22 acres (53,143 sqft)
Owner	Company Name on File
Last Sale	$4,250,000 (Mar 2023)
Tax Bill	$35,289 (2025)
Deeds & Mortgages	Apr 2023 Refinance Feb 2022 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:051 L:017001`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:051 L:017001`
Alternative APN	`30317`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,284 sqft Living Area
Gross Area	9,441 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	53,143 sqft (1.22 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	30317
Street Address	284 SEAPUIT RIVER RD
City	OSTERVILLE
State	MA
Zip	02655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Lot Number	17001
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1013
Census Tract	13002

Owner

284 Seapuit River Rd is owned by a company that bought it in March 2023.

Source: Barnstable County and Barnstable Town City records, as of July 20, 2026

Owner of Record	Company Name on File
Mailing Address	1603 CAPITOL AVE, 310, CHEYENNE, WY 82001-4561
Owner Type	Company
Vesting	Company

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
Apr 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance THE BANK OF NEW YORK MELLON
Feb 4, 2022	Deed of Trust, Mortgage · ARM FINANCE AMERICA LLC
Jun 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Mar 9, 2023	Quit Claim Deed, Transfer
Jun 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 22, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 27, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK
Dec 15, 2017	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2023 · Amount on File
Deed Sale	Mar 9, 2023 · Amount on File
Prior Sale	Dec 15, 2017 · Amount on File
Prior Transfer Date	Mar 3, 2023
Prior Transfer Doc	0001477278
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	284 SEAPUIT RIVER RD, OSTERVILLE, MA 02655
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001479970
Date	Apr 28, 2023
Instrument	1479970

Lender

Name	THE BANK OF NEW YORK MELLON
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	284 SEAPUIT RIVER RD, OSTERVILLE, MA 02655
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001451524
Date	Feb 4, 2022
Instrument	1451524

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Feb 1, 2029
Index	Other

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	284 SEAPUIT RIVER RD, OSTERVILLE, MA 02655
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001432654
Date	Jun 28, 2021
Instrument	1432654

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Mar 9, 2023
Property Address	284 SEAPUIT RIVER RD, OSTERVILLE, MA 02655
Document Number	0001477278
Instrument Date	Mar 3, 2023
Instrument	1477278
Transaction Type	Transfer
Record Updated	Mar 24, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 CAPITOL AVE STE 310, 310, CHEYENNE, WY 82001-4561

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	284 SEAPUIT RIVER RD, OSTERVILLE, MA 02655
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1432654
Date	Jun 28, 2021
Instrument	1432654

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	284 SEAPUIT RIVER RD, OSTERVILLE, MA 02655
Document Number	0001411281
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	OSYTER HBRS OSTERVILLE MA 02655, OSTERVILLE, MA 02655

Mortgage

Document Number	0001411281
Date	Nov 9, 2020
Instrument	1411281

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 8, 2045

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	284 SEAPUIT RIVER RD, OSTERVILLE, MA 02655
Document Number	0001400660
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 SEAPUIT RIVER RD OSTERVILLE MA 02655, OSTERVILLE, MA 02655

Mortgage

Document Number	0001400660
Date	Jul 16, 2020
Instrument	1400660

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	284 SEAPUIT RIVER RD, OSTERVILLE, MA 02655
Document Number	0000000675
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 SEAPUIT RIVER RD OSTERVILLE MA 02655, OSTERVILLE, MA 02655

Mortgage

Document Number	0000000675
Date	Jul 17, 2018
Instrument	675

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Dec 15, 2017
Property Address	284 SEAPUIT RIVER RD, OSTERVILLE, MA 02655
Document Number	0001336741
Instrument Date	Dec 15, 2017
Instrument	1336741
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,970.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ADMIRALS LN OSTERVILLE MA 026551802, OSTERVILLE, MA 02655-1802

Mortgage

Document Number	1336742
Date	Dec 15, 2017
Instrument	1336742

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 284 Seapuit River Rd was $35,289, up 10.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
Municipality	Barnstable Town City
Unified School District	Barnstable School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$35,289.00 (+10.44%)	$4,362,100 (+6.62%) Land $1,740,900 Building $2,621,200	$4,942,470
2024	$31,952.00 (+11.35%)	$4,091,200 (+18.91%) Land $1,740,900 Building $2,350,300
2023	$28,694.00	$3,440,500 Land $1,372,900 Building $2,067,600

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

Flood

FEMA maps place 284 Seapuit River Rd 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 96 policies
Nearby Flood Policies	96 in force
Nearby Flood Claims	18 (1991–2018)
Claims Outside the SFHA	5 of 18
Most Recent Claim	Mar 2018 · rainfall accumulation
Claims by Event	Hurricane Bob, Aug 1991 · 6 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 284 Seapuit River Rd 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 96% of the US · lower than 92% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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