322 Cotuit Bay Dr, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 322 Cotuit Bay Dr, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,264 sqft · built 2024
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Trust Names on Record
Last Sale	$41,000 (Aug 2011)
Tax Bill	$6,281 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Nov 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`COTU M:055 L:005`

Property Details

APN / Parcel Number

Primary APN	`COTU M:055 L:005`
Alternative APN	`31272`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,264 sqft Living Area
Gross Area	8,474 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,216 sqft (0.51 acres)

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	31272
Street Address	322 COTUIT BAY DR
City	COTUIT
State	MA
Zip	02635-2916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Lot Number	5
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3004
Census Tract	13200

Owner

Source: Barnstable County and Barnstable Town City records, as of July 20, 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 Record
Mailing Address	133 SEAPORT BLVD, 823, BOSTON, MA 02210-2664
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Nov 5, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2011 · Amount on Record
Deed Sale	Aug 23, 2011 · Amount on Record
Prior Sale	Jul 16, 1999 · Amount on Record
Deed Document Number	20114
Deed Book / Page	25637 / 245
Last Transfer Date	Oct 21, 2020
Transfer Doc	33438-272
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	322 COTUIT BAY DR, COTUIT, MA 02635-2916
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037108-75
Date	Jul 31, 2025
Book Page	37108/75
Instrument	30664

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Type Change Date	Aug 1, 2030
Index	Other
Margin	3

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Nov 5, 2020
Property Address	322 COTUIT BAY DR, COTUIT, MA 02635-2916
Document Number	33438-272
Book / Page	033438 / 000272
Instrument Date	Oct 21, 2020
Instrument	61568
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 SEAPORT BLVD #823 BOSTON MA 022102664, 823, BOSTON, MA 02210-2664

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	$6,281.00 (+16.92%)	$752,200 (+10.34%) Land $268,600 Building $483,600	$1,183,890
2024	$5,372.00 (+1.3%)	$681,700 (+7.59%) Land $268,600 Building $413,100
2023	$5,303.00	$633,600 Land $265,700 Building $367,900

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

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	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 Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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