428 Main St, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 428 Main St, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 720 sqft · built 1900
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Dec 2025)
Tax Bill	$3,692 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`COTU M:022 L:013`

Property Details

APN / Parcel Number

Primary APN	`COTU M:022 L:013`
Alternative APN	`10366`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
Gross Area	1,236 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	10366
Street Address	428 MAIN ST
City	COTUIT
State	MA
Zip	02635-3121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	13
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3013
Census Tract	13200

Owner

Source: Barnstable County and Barnstable Town City records · APN COTU M:022 L:013

Assessment roll updated May 27, 2026 · Last verified August 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	428 MAIN ST, COTUIT, MA 02635-3121
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Dec 19, 2013 · Amount on Record
Deed Book / Page	37383 / 201
Prior Transfer Date	Nov 28, 2022
Prior Transfer Doc	0000059181
Record Updated	Sep 20, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COTUIT MA
Recording Date	Dec 23, 2025
Property Address	428 MAIN ST, COTUIT, MA 02635-3121
Document Number	037383-201
Book / Page	37383 / 201
Instrument Date	Dec 23, 2025
Instrument	53579
Transaction Type	Transfer
Record Updated	Jan 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Mortgage

Document Number	0000053580
Date	Dec 23, 2025
Instrument	53580

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 01, 2055

Tax Assessment & Valuation

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

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	$3,692.00 (+5.94%)	$442,200 (-) Land $263,300 Building $178,900	$793,820
2024	$3,485.00 (+1.1%)	$442,200 (+7.38%) Land $263,300 Building $178,900
2023	$3,447.00	$411,800 Land $260,500 Building $151,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Barnstable County (25001C), updated October 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250010132003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (1991–1997)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 1997 · tidal / storm surge
Claims by Event	Hurricane Bob, Aug 1991 · 2 claims

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 88% 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, availability as of December 31, 2025 · sampled at 179 locations within half a mile · Last verified October 2026

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

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	COTUIT FIRE DISTRICT WATER DEPARTMENT serves 4,938 people
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	3 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	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.