3 Whitecliff Rd, Bourne (Buzzards Bay), MA 02532 Property Records

Barnstable County and Bourne Town property record for 3 Whitecliff Rd, Bourne, MA 02532

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,266 sqft · built 1998
Lot Size	0.525 acres (22,869 sqft)
Owner	Owner Name on Record
Last Sale	$164,900 (Aug 1999)
Tax Bill	$5,099 (2024)
Deeds & Mortgages	Mar 2023 Mortgage Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BOUR M:20.0 P:77`

Property Details

APN / Parcel Number

Primary APN	`BOUR M:20.0 P:77`
Alternative APNs	`M:020.0 P:077.00 D:02` `3991`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,266 sqft Living Area
Gross Area	3,764 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,869 sqft (0.525 acres)
Parking Spaces	8 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3991
Old Parcel Number	M:020.0 P:077.00 D:02
Street Address	3 WHITECLIFF RD
City	BOURNE
State	MA
Zip	02532-5672
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	DIST:36 CITY/MUNI/TWP:BOURNE
Jurisdiction	BOURNE MA
Township / Civil Division	BOURNE
Census Block Group	1
Census Block	1022
Census Tract	13700

Owner

Source: Barnstable County and Bourne Town records, as of April 24, 2024

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

Owner of Record	Owner Name on Record
Mailing Address	3 WHITECLIFF RD, BOURNE, MA 02532-5672

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CAPE COD FIVE CENTS SAVINGS BANK
Oct 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Jul 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 1999 · Amount on Record
Deed Sale	Aug 13, 1999 · Amount on Record
Prior Sale	Aug 13, 1999 · Amount on Record
Deed Document Number	0012474212
Deed Book / Page	12474 / 212
Record Updated	Jun 7, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Property Address	3 WHITECLIFF RD, BOURNE, MA 02532-5672
Transaction Type	Mortgage
Record Updated	Mar 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035682-196
Date	Mar 16, 2023
Book Page	35682/196
Instrument	10183

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2033

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Property Address	3 WHITECLIFF RD, BOURNE, MA 02532-5672
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32416-261
Date	Oct 28, 2019
Book Page	32416/261
Instrument	53393

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Property Address	3 WHITECLIFF RD, BOURNE, MA 02532-5672
Document Number	30672-293
Book / Page	030672 / 000293
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	30672-293
Date	Aug 2, 2017
Book Page	030672/000293
Instrument	39005

Lender

Name	FIRST CITIZENS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Aug 1, 2024

Tax Assessment & Valuation

Source: Barnstable County and Bourne Town assessment roll, as of January 1, 2024

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Bourne Town
Unified School District	Bourne School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2024	$5,099.00 (+0.2%)	$635,800 (+10.08%) Land $208,500 Building $427,300
2023	$5,089.00	$577,600 Land $201,300 Building $376,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	22 (1978–2011)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Feb 2011 · rainfall accumulation
Claims by Event	Hurricane Bob, Aug 1991 · 12 claims Hurricane Gloria, Sep 1985 · 2 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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	BUZZARDS BAY WATER DISTRICT serves 7,700 people · EPA ID MA4036001
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	1 ppb (2023–2025) 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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