435 Bridge St, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 435 Bridge St, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,181 sqft · built 2015
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Trust Names on Record
Last Sale	$2,275,000 (Nov 2015)
Tax Bill	$35,882 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit May 2021 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`OSTE M:093 L:002`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:093 L:002`
Alternative APN	`43697`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,181 sqft Living Area
Gross Area	5,616 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Wood Shingle
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	43697
Street Address	435 BRIDGE ST
City	OSTERVILLE
State	MA
Zip	02655-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Lot Number	2
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1019
Census Tract	13002

Owner

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 Trust Names on Record
Mailing Address	435 BRIDGE ST, OSTERVILLE, MA 02655-2307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Line of Credit M & T BANK
May 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK
Nov 4, 2025	Quit Claim Deed, Transfer Quitclaim
Nov 13, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2015 · Amount on Record
Deed Sale	Nov 3, 2015 · Amount on Record
Prior Sale	Dec 1, 2014 · Amount on Record
Deed Book / Page	29249 / 115
Last Transfer Date	Oct 7, 2025
Transfer Doc	0000045578
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	435 BRIDGE ST, OSTERVILLE, MA 02655-2307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034229-42
Date	Jun 22, 2021
Book Page	34229/42
Instrument	41837

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	435 BRIDGE ST, OSTERVILLE, MA 02655-2307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	034078-301
Date	May 4, 2021
Book Page	34078/301
Instrument	30649

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Nov 4, 2025
Property Address	435 BRIDGE ST, OSTERVILLE, MA 02655-2307
Document Number	0037284-83
Book / Page	37284 / 83
Instrument Date	Oct 7, 2025
Instrument	45578
Transaction Type	Transfer
Record Updated	Nov 26, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 BRIDGE ST, BARNSTABLE, MA 02630

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	435 BRIDGE ST, OSTERVILLE, MA 02655-2307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30890-88
Date	Nov 13, 2017
Book Page	30890/88
Instrument	57699

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 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	Assessed Market Value
2025	$35,882.00 (+10.46%)	$4,435,300 (+6.63%) Land $1,948,100 Building $2,487,200	$4,984,175
2024	$32,485.00 (+7.43%)	$4,159,400 (+14.73%) Land $1,948,100 Building $2,211,300
2023	$30,237.00	$3,625,500 Land $1,771,000 Building $1,854,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 96 policies
Nearby Flood Policies	96 in force
Nearby Flood Claims	18 (1991–2018)
Claims Outside the SFHA	5 of 18
Most Recent Claim	Mar 2018 · rainfall accumulation
Claims by Event	Hurricane Bob, Aug 1991 · 6 claims

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 96% of the US · lower than 92% 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 72 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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