40 Cliff Rd, Nantucket, MA 02554 Property Records

Nantucket County and Nantucket Town property record for 40 Cliff Rd, Nantucket, MA 02554

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 620 sqft · built 1972
Lot Size	0.027 acres (1,197 sqft)
Owner	Individual Name on Record
Last Sale	$2,100,000 (Sep 2024)
Tax Bill	$4,799 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NANT M:04244 P:00043-1`

Property Details

APN / Parcel Number

Primary APN	`NANT M:04244 P:00043-1`
Alternative APN	`42440431`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	620 sqft Living Area
Gross Area	748 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Cottage
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,197 sqft (0.027 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	42440431
Street Address	40 CLIFF RD
City	NANTUCKET
State	MA
Zip	02554
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	NANTUCKET MA
Township / Civil Division	NANTUCKET
Census Block Group	1
Census Block	1000
Census Tract	950100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Nantucket Historic District listed 1966 · National Historic Landmark (designated 1966) · NRIS 66000772

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Nantucket County and Nantucket Town records, as of April 14, 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	30 LEDGEWOOD RD, WINCHESTER, MA 01890-3121
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Sep 27, 2024	Deed, Transfer · Stand-Alone First Mortgage NEEDHAM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2024 · Amount on Record
Deed Sale	Sep 27, 2024 · Amount on Record
Deed Book / Page	1989 / 93
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NANTUCKET MA
Property Address	40 CLIFF RD, NANTUCKET, MA 02554
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001808-261
Date	Mar 16, 2021
Book Page	1808/261
Instrument	970

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.9%
Type Change Date	Jun 1, 2026
Index	1-Year CMT

September 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	NANTUCKET MA
Recording Date	Sep 27, 2024
Property Address	40 CLIFF RD, NANTUCKET, MA 02554
Document Number	0001989-93
Book / Page	1989 / 93
Instrument Date	Sep 26, 2024
Instrument	1837
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 LEDGEWOOD RD, WINCHESTER, MA 01890-3121

Mortgage

Document Number	0000001838
Date	Sep 27, 2024
Instrument	1838

Lender

Name	NEEDHAM BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Jan 10, 2029
Max Rate At Change	2.75%
Index	5-Year CMT

Tax Assessment & Valuation

Source: Nantucket County and Nantucket Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Nantucket County
County Subdivision	Nantucket Town
Unified School District	Nantucket School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,799.00	$1,463,000 Land $1,220,200 Building $242,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective February 7, 2025 · 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 49 policies
Nearby Flood Policies	49 in force
Nearby Flood Claims	4 (1988–2017)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2017 · rainfall accumulation

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	WANNACOMET WATER COMPANY serves 27,703 people · EPA ID MA4197000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 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	67 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 331 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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