359 Cedar St, Chatham, MA 02633 Property Records

Barnstable County and Chatham Town property record for 359 Cedar St, Chatham, MA 02633

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Lot Size	0.49 acres (21,360 sqft)
Owner	2 Trust Names on File
Last Sale	$53,000 (May 1978)
Tax Bill	$5,695 (2025)
Deeds & Mortgages	Jan 2024 Transfer Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHAT M:12B B:0005 L:12B`

Property Details

APN / Parcel Number

Primary APN	`CHAT M:12B B:0005 L:12B`
Alternative APN	`1086`

Exterior

Lot Area	21,360 sqft (0.49 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	1086
Street Address	359 CEDAR ST
City	CHATHAM
State	MA
Zip	02633-2116
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	R40
Legal Block	5
Legal Lot Number	12B
Jurisdiction	CHATHAM MA
Township / Civil Division	CHATHAM
Census Block Group	2
Census Block	2034
Census Tract	10700

Owner

359 Cedar St, a residential property, is held in a trust since January 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 1322, WEST CHATHAM, MA 02669-1322
Owner Type	Company
Vesting	Trust, Family Trust

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
Jan 19, 2024	Quit Claim Deed, Transfer Quitclaim
Aug 8, 2017	Deed of Trust, Mortgage · ARM CAPE COD FIVE CENTS SAVINGS BANK
Oct 23, 2020	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 1978 · Amount on File
Deed Sale	May 31, 1978 · Amount on File
Deed Book / Page	2716 / 164
Last Transfer Date	Jan 17, 2024
Transfer Doc	036187-207
Record Updated	Sep 20, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHATHAM MA
Recording Date	Jan 19, 2024
Property Address	359 CEDAR ST, CHATHAM, MA 02633-2116
Document Number	036187-207
Book / Page	36187 / 207
Instrument Date	Jan 17, 2024
Instrument	2421
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1322, WEST CHATHAM, MA 02669-1322

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	359 CEDAR ST, CHATHAM, MA 02633-2116
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	030685-195
Date	Aug 8, 2017
Book Page	30685/195
Instrument	40029

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	359 CEDAR ST, CHATHAM, MA 02633-2116
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	033388-277
Date	Oct 23, 2020
Book Page	33388/277
Instrument	58080

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 359 Cedar St was $5,695, up 3.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,695.00 (+3.08%)	$1,641,200 (+6.05%) Land $968,200 Building $673,000	$2,901,110
2024	$5,525.00 (+12.96%)	$1,547,600 (+22.78%) Land $910,000 Building $637,600
2023	$4,891.00	$1,260,500 Land $689,400 Building $571,100

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

Flood

FEMA maps place 359 Cedar St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 155 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	169 units insured incl. 14 condo units
Nearby Flood Claims	76 (1988–2023)
Claims Outside the SFHA	26 of 76
Most Recent Claim	Dec 2023 · tidal / storm surge
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 4 claims Blizzards, High Winds & Record Snowfall, Mar 1993 · 4 claims Coastal Storm, Oct 1991 · 34 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

Wildfire risk around 359 Cedar 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	CHATHAM WATER DEPARTMENT serves 30,000 people · EPA ID MA4055000
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 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	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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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