409 Starboard Ln, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 409 Starboard Ln, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,514 sqft · built 2000
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on File
Last Sale	$1,050,000 (Jun 2007)
Tax Bill	$13,937 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2024 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`CENT M:167 L:028003`

Property Details

APN / Parcel Number

Primary APN	`CENT M:167 L:028003`
Alternative APN	`337`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,514 sqft Living Area
Gross Area	9,526 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	337
Street Address	409 STARBOARD LN
City	OSTERVILLE
State	MA
Zip	02655-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	28003
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3003
Census Tract	13002

Owner

409 Starboard Ln is owned and occupied by an individual who bought it in June 2007.

Source: Barnstable County and Barnstable Town City records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	409 STARBOARD LN, OSTERVILLE, MA 02655-1431
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage CAPE COD FIVE CENTS SAVINGS BANK
Nov 13, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Apr 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Jul 25, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Aug 27, 2019	Deed of Trust, Mortgage CAPE COD FIVE CENTS SVGS BK
Dec 4, 2018	Deed of Trust, Mortgage CAPE COD FIVE CENTS SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2007 · Amount on File
Deed Sale	Jun 14, 2007 · Amount on File
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTERVILLE MA
Property Address	409 STARBOARD LN, OSTERVILLE, MA 02655-1431
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001530795
Date	Sep 25, 2025
Instrument	1530795

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTERVILLE MA
Property Address	409 STARBOARD LN, OSTERVILLE, MA 02655-1431
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001513111
Date	Nov 13, 2024
Instrument	1513111

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTERVILLE MA
Property Address	409 STARBOARD LN, OSTERVILLE, MA 02655-1431
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001479952
Date	Apr 28, 2023
Instrument	1479952

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTERVILLE MA
Property Address	409 STARBOARD LN, OSTERVILLE, MA 02655-1431
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001484802
Date	Jul 25, 2023
Instrument	1484802

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	STARBOARD LN, CENTERVILLE, MA 02632
Document Number	0001377735
Instrument Date	Aug 27, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 STARBOARD LN OSTERVILLE MA 026551431, OSTERVILLE, MA 02655-1431

Mortgage

Document Number	0001377735
Date	Sep 3, 2019
Instrument	1377735

Lender

Name	CAPE COD FIVE CENTS SVGS BK
Type	Federal Savings Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	STARBOARD LN, CENTERVILLE, MA 02632
Document Number	0000000376
Instrument Date	Dec 4, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 STARBOARD LN OSTERVILLE MA 026551431, OSTERVILLE, MA 02655-1431

Mortgage

Document Number	0000000376
Date	Dec 10, 2018
Instrument	376

Lender

Name	CAPE COD FIVE CENTS SVGS BK
Type	Federal Savings Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 409 Starboard Ln was $13,937, up 14% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
Municipality	Barnstable Town City
Unified School District	Barnstable School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$13,937.00 (+13.97%)	$1,722,800 (+10.03%) Land $707,700 Building $1,015,100
2024	$12,229.00	$1,565,800 Land $539,500 Building $1,026,300

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

Flood

FEMA maps place 409 Starboard Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2004 · 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

Wildfire risk around 409 Starboard Ln is low, with less than a 0.01% annual chance of 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 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

Cell Coverage

5G (outdoors only) and 4G LTE

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