44 Prospect Ave, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 44 Prospect Ave, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 912 sqft · built 1975
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Trust Names on Record
Last Sale	$290,000 (Oct 2002)
Tax Bill	$4,024 (2025)
Deeds & Mortgages	Jan 2022 Transfer Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0007 B:0101 L:000`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0007 B:0101 L:000`
Alternative APN	`786`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Gross Area	1,272 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Gas

Location & Zoning

Account Number	786
Street Address	44 PROSPECT AVE
City	OAK BLUFFS
State	MA
Zip	02557-7173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	101
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	4
Census Block	4005
Census Tract	200200

Owner

Source: Dukes County and Oak Bluffs Town records, as of October 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	11100 KERRIGAN DR, OAKLAND, CA 94605-5414
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jan 29, 2018	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2002 · Amount on Record
Deed Sale	Oct 25, 2002 · Amount on Record
Prior Sale	Jun 1, 1999 · Amount on Record
Deed Book / Page	905 / 829
Last Transfer Date	Jan 14, 2022
Transfer Doc	001611-328
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Jan 18, 2022
Property Address	44 PROSPECT AVE, OAK BLUFFS, MA 02557-7173
Document Number	001611-328
Book / Page	1611 / 328
Instrument Date	Jan 14, 2022
Instrument	313
Transaction Type	Transfer
Record Updated	Feb 4, 2022

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	11100 KERRIGAN DR, OAKLAND, CA 94605-5414

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	44 PROSPECT AVE, OAK BLUFFS, MA 02557-7173
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1572-544
Date	Apr 7, 2021
Book Page	1572/544
Instrument	2754

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	44 PROSPECT AVE, OAK BLUFFS, MA 02557-7173
Document Number	1459-599
Book / Page	001459 / 000599
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	1459-599
Date	Jan 31, 2018
Book Page	001459/000599
Instrument	621

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2048

Tax Assessment & Valuation

Source: Dukes County and Oak Bluffs Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Oak Bluffs Town
Elementary School District	Oak Bluffs School District (PK - 08)
Secondary School District	Martha's Vineyard School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,024.00 (-0.05%)	$796,900 (+3.53%) Land $534,300 Building $262,600	$864,945
2024	$4,026.00 (-3.94%)	$769,700 (-3.02%) Land $485,500 Building $284,200
2023	$4,191.00	$793,700 Land $514,600 Building $279,100

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 February 7, 2025 · 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
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (1992)
Most Recent Claim	Dec 1992 · Winter Coastal Storm

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	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	OAK BLUFFS WATER DISTRICT serves 24,000 people · EPA ID MA4221000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2021–2023) 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, 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 333 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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