Barnstable County and Barnstable Town City property record for 409 Bumps River Rd, Osterville, MA 02655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,610 sqft · built 1975 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $599,000 (Sep 2021) |
| Tax Bill | $4,705 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jan 2024 Refinance + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OSTE M:144 L:037 |
| Primary APN | OSTE M:144 L:037 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,610 sqft Living Area |
| Gross Area | 4,737 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 80325 |
|---|---|
| Street Address | 409 BUMPS RIVER RD |
| City | OSTERVILLE |
| State | MA |
| Zip | 02655-1520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Lot Number | 37 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 13002 |
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 | 409 BUMPS RIVER RD, OSTERVILLE, MA 02655-1520 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 19, 2025 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) CAPE COD FIVE CENTS SAVINGS BANK |
| Jan 12, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK |
| Sep 3, 2025 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) CAPE COD FIVE CENTS SAVINGS BANK |
| Sep 16, 2021 | Correction Deed |
| Aug 18, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| May 19, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK |
| May 25, 2018 | Quit Claim Deed, Transfer CAPE COD FIVE CENTS SAVINGS BANK |
| May 17, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2021 · Amount on Record |
| Deed Sale | Sep 16, 2021 · Amount on Record |
| Prior Sale | Aug 18, 2021 · Amount on Record |
| Deed Book / Page | 34478 / 93 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 409 BUMPS RIVER RD, OSTERVILLE, MA 02655-1520 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 037192-302 |
|---|---|
| Date | Sep 19, 2025 |
| Book Page | 37192/302 |
| Instrument | 38075 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 409 BUMPS RIVER RD, OSTERVILLE, MA 02655-1520 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00036177-2 |
|---|---|
| Date | Jan 12, 2024 |
| Book Page | 36177/2 |
| Instrument | 1456 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 409 BUMPS RIVER RD, OSTERVILLE, MA 02655-1520 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 037162-218 |
|---|---|
| Date | Sep 3, 2025 |
| Book Page | 37162/218 |
| Instrument | 35456 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 1, 2035 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Sep 16, 2021 |
| Property Address | 409 BUMPS RIVER RD, OSTERVILLE, MA 02655-1520 |
| Document Number | 34478-93 |
| Book / Page | 34478 / 93 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 60771 |
| Record Updated | Oct 1, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11103 LONGSHORE WAY W, NAPLES, FL 34119-8825 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Aug 18, 2021 |
| Property Address | 409 BUMPS RIVER RD, OSTERVILLE, MA 02655-1520 |
| Document Number | 34394-167 |
| Book / Page | 34394 / 167 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 54596 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2021 |
| 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 |
|---|---|
| Address | 11103 LONGSHORE WAY W, NAPLES, FL 34119-8825 |
| Document Number | 54599 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 54599 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 409 BUMPS RIVER RD, OSTERVILLE, MA 02655-1520 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 32916-334 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 32916/334 |
| Instrument | 23733 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | May 25, 2018 |
| Property Address | 409 BUMPS RIVER RD, OSTERVILLE, MA 02655-1520 |
| Document Number | 31295-350 |
| Book / Page | 31295 / 350 |
| Instrument | 25093 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $34.19 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 BUMPS RIVER RD, OSTERVILLE, MA 02655-1520 |
| Document Number | 312960001 |
|---|---|
| Date | May 25, 2018 |
| Instrument | 31296/0001 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 25, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | May 17, 2018 |
| Property Address | 409 BUMPS RIVER RD, OSTERVILLE, MA 02655-1520 |
| Document Number | 31271-168 |
| Book / Page | 031271 / 000168 |
| Instrument Date | Apr 23, 2018 |
| Instrument | 23149 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 400 BUMPS RIVER RD OSTERVILLE MA 02655, OSTERVILLE, MA 02655 |
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 | $4,705.00 (+7.54%) | $581,600 (+3.82%) Land $152,200 Building $429,400 | $878,655 |
| 2024 | $4,375.00 (+3.48%) | $560,200 (+10.51%) Land $152,200 Building $408,000 | |
| 2023 | $4,228.00 | $506,900 Land $138,400 Building $368,500 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1983) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 1983 · tidal / storm surge |
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 | Low lower than 97% of the US · lower than 94% 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.
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 142 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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