Barnstable County and Barnstable Town City property record for 38 Bay St, Osterville, MA 02655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,392 sqft · built 1724 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $2,875,000 (Feb 2022) |
| Tax Bill | $21,262 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Dec 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OSTE M:117 L:035 |
| Primary APN | OSTE M:117 L:035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,392 sqft Living Area |
| Gross Area | 10,160 sqft |
| Year Built | Built 1724 |
|---|---|
| Effective Year Built | Effective 1724 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 47,045 sqft (1.08 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 57413 |
|---|---|
| Street Address | 38 BAY ST |
| City | OSTERVILLE |
| State | MA |
| Zip | 02655-2001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Lot Number | 35 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 13002 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Hinckley, Nymphus, House listed 1987 · 2 contributing resources · NRIS 87000250 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 Company Names on Record |
|---|---|
| Mailing Address | 38 BAY ST, OSTERVILLE, MA 02655-2001 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 23, 2025 | Quit Claim Deed, Transfer TIMOTHY G CLFORD 2023 |
| Dec 21, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Feb 28, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNIBANK FOR SAVINGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2022 · Amount on Record |
| Deed Sale | Feb 28, 2022 · Amount on Record |
| Prior Sale | Feb 3, 2016 |
| Deed Book / Page | 34936 / 288 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Jul 23, 2025 |
| Property Address | 38 BAY ST, OSTERVILLE, MA 02655-2001 |
| Document Number | 0037091-54 |
| Book / Page | 37091 / 54 |
| Instrument Date | Jun 28, 2025 |
| Instrument | 29205 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000029206 |
|---|---|
| Date | Jul 23, 2025 |
| Instrument | 29206 |
| Name | TIMOTHY G CLFORD 2023 |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Dec 21, 2023 |
| Property Address | 38 BAY ST, OSTERVILLE, MA 02655-2001 |
| Document Number | 0036149-18 |
| Book / Page | 36149 / 18 |
| Instrument Date | Dec 12, 2023 |
| Instrument | 51481 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 BLACK OAK RD, WESTON, MA 02493-1128 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Feb 28, 2022 |
| Property Address | 38 BAY ST, OSTERVILLE, MA 02655-2001 |
| Document Number | 034936-288 |
| Book / Page | 34936 / 288 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 10604 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 100 BLACK OAK RD, WESTON, MA 02493-1128 |
| Document Number | 0000010605 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 10605 |
| Name | UNIBANK FOR SAVINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| Municipality | Barnstable Town City |
| Unified School District | Barnstable School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $21,262.00 (+6.57%) | $2,628,200 (+2.88%) Land $976,200 Building $1,652,000 | $3,664,625 |
| 2024 | $19,952.00 (+13.62%) | $2,554,700 (+21.33%) Land $976,200 Building $1,578,500 | |
| 2023 | $17,560.00 | $2,105,500 Land $807,300 Building $1,298,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 96 policies |
| Nearby Flood Policies | 96 in force |
| Nearby Flood Claims | 18 (1991–2018) |
| Claims Outside the SFHA | 5 of 18 |
| Most Recent Claim | Mar 2018 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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