Barnstable County and Chatham Town property record for 3 Spinnaker Ln, Chatham, MA 02633
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,987 sqft · built 1999 |
| Lot Size | 0.504 acres (21,937 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $80,000 (Mar 1999) |
| Tax Bill | $3,955 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Apr 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | CHAT M:12F B:044A L:14A |
| Primary APN | CHAT M:12F B:044A L:14A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,987 sqft Living Area |
| Gross Area | 4,560 sqft |
| 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 | 21,937 sqft (0.504 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1206 |
|---|---|
| Street Address | 3 SPINNAKER LN |
| City | CHATHAM |
| State | MA |
| Zip | 02633-2818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Block | 44A |
| Legal Lot Number | 14A |
| Jurisdiction | CHATHAM MA |
| Township / Civil Division | CHATHAM |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 10600 |
3 Spinnaker Ln is held in a trust since February 2024.
Source: Barnstable County and Chatham Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | PO BOX 139, CHATHAM, MA 02633-0139 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Feb 12, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Apr 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK |
| Nov 13, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK |
| Mar 31, 2017 | Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 1999 · Amount on File |
| Deed Sale | Mar 23, 1999 · Amount on File |
| Deed Book / Page | 12145 / 127 |
| Last Transfer Date | Feb 1, 2024 |
| Transfer Doc | 036218-121 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHATHAM MA |
| Recording Date | Feb 12, 2024 |
| Property Address | 3 SPINNAKER LN, CHATHAM, MA 02633 |
| Document Number | 036218-121 |
| Book / Page | 36218 / 121 |
| Instrument Date | Feb 1, 2024 |
| Instrument | 5368 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 139, CHATHAM, MA 02633-0139 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHATHAM MA |
| Property Address | 3 SPINNAKER LN, CHATHAM, MA 02633 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 32819-308 |
|---|---|
| Date | Apr 10, 2020 |
| Book Page | 32819/308 |
| Instrument | 17411 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHATHAM MA |
| Property Address | 3 SPINNAKER LN, CHATHAM, MA 02633 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 32462-11 |
|---|---|
| Date | Nov 13, 2019 |
| Book Page | 32462/11 |
| Instrument | 56853 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHATHAM MA |
| Property Address | 3 SPINNAKER LN, CHATHAM, MA 02633 |
| Document Number | 30399-70 |
| Book / Page | 030399 / 000070 |
| Instrument Date | Mar 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 30399-70 |
|---|---|
| Date | Apr 5, 2017 |
| Book Page | 030399/000070 |
| Instrument | 16277 |
| Name | CAPE COD FIVE CENT BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 4, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3 Spinnaker Ln was $3,955, up 3% from the year before.
Source: Barnstable County and Chatham Town assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| County Subdivision | Chatham Town |
| Unified School District | Monomoy Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,955.00 (+2.99%) | $1,139,700 (+5.95%) Land $321,400 Building $818,300 | $3,078,190 |
| 2024 | $3,840.00 (+2.59%) | $1,075,700 (+11.52%) Land $303,200 Building $772,500 | |
| 2023 | $3,743.00 | $964,600 Land $252,700 Building $711,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Spinnaker Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1991.
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 File median of 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 4 (1991–2015) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Jan 2015 · Severe Winter Storm, Snowstorm, And Flooding |
| Claims by Event |
|
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 3 Spinnaker Ln 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 99.1% of the US · lower than 98.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 201 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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