4 Geraldine Rd, Cotuit, MA 02635 Property Records

Barnstable County and Harwich Town property record for 4 Geraldine Rd, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,884 sqft · built 2013
Lot Size	0.407 acres (17,719 sqft)
Owner	Individual Name on File
Last Sale	$1,170,000 (Apr 2020)
Tax Bill	$10,150 (2025)
Deeds & Mortgages	May 2022 Line of Credit May 2022 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`HARW M:16 P:A1-6`

Property Details

APN / Parcel Number

Primary APN	`HARW M:16 P:A1-6`
Alternative APNs	`M:00016 B:A001 L:006` `2300`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,884 sqft Living Area
Gross Area	5,180 sqft
1st Floor Area	1,143 sqft
Basement Area	1,107 sqft
Unfinished Basement	1,107 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,719 sqft (0.407 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2300
Street Address	4 GERALDINE RD
City	COTUIT
State	MA
Zip	02635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	J R LARKIN
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	1
Census Block	1043
Census Tract	11200

Owner

Source: Barnstable County and Harwich Town records · APN HARW M:16 P:A1-6

Assessment roll updated May 27, 2026 · Last verified July 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 File
Mailing Address	PO BOX 500, SOUTH DENNIS, MA 02660-0500
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 03, 2022	Deed of Trust, Mortgage · Line of Credit CAPE COD COOPERATIVE BANK
May 03, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD COOPERATIVE BANK
Apr 21, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 21, 2020 · Amount on Record
Deed Sale	Apr 21, 2020 · Amount on Record
Prior Sale	Jul 12, 2013 · Amount on Record
Deed Document Number	202019005
Deed Book / Page	32844 / 257
Transfer Doc	0000015189
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	4 GERALDINE RD, COTUIT, MA 02635-2602
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035092-209
Date	May 03, 2022
Book Page	35092/209
Instrument	22971

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	4 GERALDINE RD, COTUIT, MA 02635-2602
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035092-197
Date	May 03, 2022
Book Page	35092/197
Instrument	22970

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 01, 2042

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Apr 21, 2020
Property Address	4 GERALDINE AVE, HARWICH PORT, MA 02646-2505
Document Number	32844-257
Book / Page	032844 / 000257
Instrument Date	Apr 01, 2020
Instrument	5
Transaction Type	Transfer
Record Updated	May 05, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$6,669.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 500 SOUTH DENNIS MA 026600500, SOUTH DENNIS, MA 02660-0500

Tax Assessment & Valuation

Source: Barnstable County and Harwich Town records · Assessment roll updated May 27, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,150.00 (+3.29%)	$1,717,500 (+5.39%) Land $881,900 Building $835,600	$1,714,845
2024	$9,827.00 (+8.57%)	$1,629,700 (+19.56%) Land $832,000 Building $797,700
2023	$9,051.00	$1,363,100 Land $675,300 Building $687,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 1, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 92 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	102 units insured incl. 10 condo units
Nearby Flood Claims	2 (1978–1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 132 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HARWICH WATER DEPARTMENT serves 39,144 people
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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