354 Mariner Cir, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 354 Mariner Cir, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,060 sqft · built 1982
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$689,000 (Jul 2024)
Tax Bill	$3,995 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`COTU M:024 L:115`

Property Details

APN / Parcel Number

Primary APN	`COTU M:024 L:115`
Alternative APN	`13229`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
Gross Area	3,158 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	13229
Street Address	354 MARINER CIR
City	COTUIT
State	MA
Zip	02635-2626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	CEDAR ACRES REALTY TRUST
Legal Lot Number	115
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	2
Census Block	2045
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	Individual Name on Record
Mailing Address	354 MARINER CIR, COTUIT, MA 02635-2626
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage CROSSCOUNTRY MORTGAGE INC
Sep 9, 2020	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2024 · Amount on Record
Deed Sale	Jul 16, 2024 · Amount on Record
Prior Sale	Nov 26, 2021 · Amount on Record
Deed Book / Page	36469 / 340
Prior Transfer Date	Nov 24, 2021
Prior Transfer Doc	0000077182
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	354 MARINER CIR, COTUIT, MA 02635-2626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	037270-317
Date	Oct 29, 2025
Book Page	37270/317
Instrument	44497

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	354 MARINER CIR, COTUIT, MA 02635-2626
Document Number	33246-102
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 MARINER CIR COTUIT MA 026352626, COTUIT, MA 02635-2626

Mortgage

Document Number	33246-102
Date	Sep 10, 2020
Book Page	033246/000102
Instrument	47463

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2050

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	$3,995.00 (+6.53%)	$478,400 (+0.53%) Land $159,600 Building $318,800	$641,155
2024	$3,750.00 (+6.47%)	$475,900 (+13.09%) Land $159,600 Building $316,300
2023	$3,522.00	$420,800 Land $145,100 Building $275,700

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1978)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow

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 96% of the US · lower than 92% 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 144 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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