313 Cotuit Bay Dr, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 313 Cotuit Bay Dr, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,970 sqft · built 1978
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Trust Names on File
Last Sale	$650,000 (Oct 2004)
Tax Bill	$7,682 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Nov 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`COTU M:055 L:008`

Property Details

APN / Parcel Number

Primary APN	`COTU M:055 L:008`
Alternative APN	`31307`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,970 sqft Living Area
Gross Area	7,389 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,787 sqft (1.12 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	31307
Street Address	313 COTUIT BAY DR
City	COTUIT
State	MA
Zip	02635-2910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Lot Number	8
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3029
Census Tract	13200

Owner

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

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

Owner of Record	2 Trust Names on File
Mailing Address	313 COTUIT BAY DR, COTUIT, MA 02635-2910
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SAVINGS BANK
Nov 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 1, 2004 · Amount on Record
Deed Sale	Oct 1, 2004 · Amount on Record
Deed Document Number	200482135
Deed Book / Page	19091 / 2
Last Transfer Date	Sep 26, 2019
Transfer Doc	32479-22
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	313 COTUIT BAY DR, COTUIT, MA 02635-2910
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037457-191
Date	Feb 9, 2026
Book Page	37457/191
Instrument	5251

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Nov 19, 2019
Property Address	313 COTUIT BAY DR, COTUIT, MA 02635-2910
Document Number	32479-22
Book / Page	032479 / 000022
Instrument Date	Sep 26, 2019
Instrument	58162
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 COCHRANE ST MELROSE MA 021761504, MELROSE, MA 02176-1504

Tax Assessment & Valuation

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	$7,682.00 (+10.42%)	$920,000 (+4.2%) Land $302,700 Building $617,300	$1,015,740
2024	$6,957.00 (+1.41%)	$882,900 (+7.72%) Land $302,700 Building $580,200
2023	$6,860.00	$819,600 Land $299,800 Building $519,800

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 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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (1991–1997)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 1997 · tidal / storm surge
Claims by Event	Hurricane Bob, Aug 1991 · 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COTUIT FIRE DISTRICT WATER DEPARTMENT serves 4,938 people · EPA ID MA4020003
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	3 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 107 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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