438 Main St, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 438 Main St, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,119 sqft · built 1972
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$655,000 (Sep 2020)
Tax Bill	$6,503 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:164 L:001`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:164 L:001`
Alternative APN	`90234`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,119 sqft Living Area
Gross Area	4,398 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	90234
Street Address	438 MAIN ST
City	OSTERVILLE
State	MA
Zip	02655-1726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Lot Number	1
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3011
Census Tract	13002

Owner

438 Main St is owned by an individual who bought it in September 2020.

Source: Barnstable County and Barnstable Town City records, as of July 20, 2026

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

Owner of Record	Individual Name on File
Mailing Address	3 BATTERY WHARF, 3301, BOSTON, MA 02109-1098
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Dec 20, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2020 · Amount on File
Deed Sale	Sep 15, 2020 · Amount on File
Prior Sale	Dec 20, 2019 · Amount on File
Deed Document Number	202048642
Deed Book / Page	33260 / 238
Prior Transfer Date	Sep 10, 2020
Prior Transfer Doc	33260-238
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Sep 15, 2020
Property Address	438 MAIN ST, OSTERVILLE, MA 02655-1726
Document Number	33260-238
Book / Page	33260 / 238
Instrument Date	Sep 10, 2020
Instrument	48642
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
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	3 BATTERY WHARF # 3301, 3301, BOSTON, MA 02109-1098
Investor	Possibly a Property Investor

Mortgage

Document Number	48643
Date	Sep 15, 2020
Instrument	48643

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Dec 20, 2019
Property Address	438 MAIN ST, OSTERVILLE, MA 02655-1726
Document Number	32566-208
Book / Page	32566 / 208
Instrument Date	Dec 20, 2019
Instrument	65427
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
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	191 LEWIS POND RD, COTUIT, MA 02635-3008

Mortgage

Document Number	65428
Date	Dec 20, 2019
Instrument	65428

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Type Change Date	Jan 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 438 Main St was $6,503, up 6.3% from the year before.

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	$6,503.00 (+6.35%)	$803,800 (+2.66%) Land $337,100 Building $466,700	$981,825
2024	$6,115.00 (+2.21%)	$783,000 (+9.14%) Land $337,100 Building $445,900
2023	$5,983.00	$717,400 Land $313,400 Building $404,000

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

Flood

FEMA maps place 438 Main St 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 438 Main St 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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