350 Main St, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 350 Main St, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,402 sqft · built 1998
Lot Size	2.03 acres (88,427 sqft)
Owner	Individual Name on File
Tax Bill	$26,712 (2025)
Deeds & Mortgages	Nov 2021 Refinance Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:165 L:029`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:165 L:029`
Alternative APN	`90635`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,402 sqft Living Area
Gross Area	12,800 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	88,427 sqft (2.03 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	90635
Street Address	350 MAIN ST
City	OSTERVILLE
State	MA
Zip	02655-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	29
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3019
Census Tract	13002

Owner

350 Main St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	350 MAIN ST, OSTERVILLE, MA 02655-1723
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Oct 8, 2019	Deed of Trust, Mortgage CAPE COD FIVE CENTS SVGS BK
Jan 31, 2018	Deed of Trust, Mortgage · Line of Credit CAPE COD CO-OP BK
Jan 31, 2018	Deed of Trust, Mortgage CAPE COD CO-OP BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	350 MAIN ST, OSTERVILLE, MA 02655-1723
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1443535
Date	Nov 1, 2021
Instrument	1443535

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	350 MAIN ST, OSTERVILLE, MA 02655-1723
Document Number	0001381125
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	350 MAIN ST OSTERVILLE MA 026551723, OSTERVILLE, MA 02655-1723

Mortgage

Document Number	0001381125
Date	Oct 15, 2019
Instrument	1381125

Lender

Name	CAPE COD FIVE CENTS SVGS BK
Type	Federal Savings Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	350 MAIN ST, OSTERVILLE, MA 02655-1723
Document Number	0001339823
Instrument Date	Jan 31, 2018
Transaction Type	Mortgage
Record Updated	Feb 28, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001339823
Date	Feb 5, 2018
Instrument	1339823

Lender

Name	CAPE COD CO-OP BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	350 MAIN ST, OSTERVILLE, MA 02655-1723
Document Number	0001339822
Instrument Date	Jan 31, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001339822
Date	Feb 5, 2018
Instrument	1339822

Lender

Name	CAPE COD CO-OP BK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 350 Main St was $26,712, up 8.8% 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	$26,712.00 (+8.82%)	$3,301,800 (+5.05%) Land $1,050,600 Building $2,251,200	$2,582,480
2024	$24,548.00 (+7.57%)	$3,143,200 (+14.87%) Land $1,050,600 Building $2,092,600
2023	$22,821.00	$2,736,300 Land $875,000 Building $1,861,300

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

Flood

FEMA maps place 350 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2004 · rainfall accumulation

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 350 Main St 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.

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 146 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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