38 Howes St, Dennis, MA 02638 Property Records

Barnstable County and Dennis Town property record for 38 Howes St, Dennis, MA 02638

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,980 sqft · built 1984
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Company Names on Record
Tax Bill	$8,430 (2025)
Deeds & Mortgages	Nov 2021 Refinance Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DENN M:000388 P:007-000`

Property Details

APN / Parcel Number

Primary APN	`DENN M:000388 P:007-000`
Alternative APNs	`M:000388 P:000007` `16062`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,980 sqft Living Area
Gross Area	3,452 sqft
1st Floor Area	972 sqft
Basement Area	972 sqft
Unfinished Basement	972 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	16062
Street Address	38 HOWES ST
City	DENNIS
State	MA
Zip	02638-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	DENNIS MA
Township / Civil Division	DENNIS
Census Block Group	3
Census Block	3003
Census Tract	11300

Owner

Source: Barnstable County and Dennis Town records, as of October 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	46 PLEASANT ST, SOUTH DENNIS, MA 02660-2219
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Jan 4, 2019	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SVGS BK
Feb 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPE COD FIVE CENT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2010
Deed Sale	Jun 10, 2010
Prior Sale	Dec 15, 2006
Deed Document Number	20101141817
Transfer Doc	1141817
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENNIS MA
Property Address	38 HOWES ST, DENNIS, MA 02638-1513
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001445975
Date	Nov 29, 2021
Instrument	1445975

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENNIS MA
Property Address	38 HOWES ST, DENNIS, MA 02638-1513
Document Number	0001362092
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 HOWES ST DENNIS MA 02638, DENNIS, MA 02638

Mortgage

Document Number	0001362092
Date	Jan 7, 2019
Instrument	1362092

Lender

Name	CAPE COD FIVE CENTS SVGS BK
Type	Federal Savings Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2049

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENNIS MA
Property Address	38 HOWES ST, DENNIS, MA 02638-1513
Document Number	0001315729
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust

Mortgage

Document Number	0001315729
Date	Feb 27, 2017
Instrument	1315729

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Dennis Town
Unified School District	Dennis-Yarmouth School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,430.00 (+0.72%)	$1,946,800 (+2.11%) Land $1,579,000 Building $367,800	$1,678,295
2024	$8,370.00 (+3.41%)	$1,906,600 (+1%) Land $1,518,500 Building $388,100
2023	$8,094.00	$1,733,200 Land $1,380,400 Building $352,800

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	6 (1978–2013)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Mar 2013 · rainfall accumulation
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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 98% of the US · lower than 96% 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	DENNIS WATER DISTRICT serves 65,000 people · EPA ID MA4075000
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2021–2023) 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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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