44 Ralph St, Chatham, MA 02633 Property Records

Barnstable County and Chatham Town property record for 44 Ralph St, Chatham, MA 02633

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 864 sqft · built 1966
Lot Size	0.3 acres (13,050 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Mar 2018)
Tax Bill	$2,270 (2025)
Deeds & Mortgages	Jun 2021 Refinance Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHAT M:07D B:0015 L:G30`

Property Details

APN / Parcel Number

Primary APN	`CHAT M:07D B:0015 L:G30`
Alternative APN	`6258`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,999 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,050 sqft (0.3 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6258
Street Address	44 RALPH ST
City	CHATHAM
State	MA
Zip	02633-1642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Block	15
Legal Lot Number	G30
Jurisdiction	CHATHAM MA
Township / Civil Division	CHATHAM
Census Block Group	3
Census Block	3010
Census Tract	10700

Owner

44 Ralph St is owned by two individuals who bought it in March 2018.

Source: Barnstable County and Chatham Town 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	2 Individual Names on File
Mailing Address	318 LAKE HILL RD, BURNT HILLS, NY 12027-9772
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Mar 30, 2018	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2018 · Amount on File
Deed Sale	Mar 30, 2018 · Amount on File
Prior Sale	Jan 26, 2012
Transfer Doc	0001343184
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	44 RALPH ST, CHATHAM, MA 02633-1642
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001430215
Date	Jun 1, 2021
Instrument	1430215

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	157 Months
Due	Jul 1, 2034

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	44 RALPH ST, CHATHAM, MA 02633-1642
Transaction Type	Mortgage
Record Updated	Jun 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1430215
Date	Jun 1, 2021
Instrument	1430215

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	157 Months
Due	Jul 1, 2034

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHATHAM MA
Recording Date	Mar 30, 2018
Property Address	44 RALPH ST, CHATHAM, MA 02633-1642
Document Number	0001343184
Instrument Date	Mar 23, 2018
Instrument	1343184
Transaction Type	Transfer
Record Updated	Apr 17, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 BUCKBOARD DR WESTFORD MA 018862753, WESTFORD, MA 01886-2753

Mortgage

Document Number	1343186
Date	Mar 30, 2018
Instrument	1343186

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 44 Ralph St was $2,270, up 2.9% from the year before.

Source: Barnstable County and Chatham Town assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Chatham Town
Unified School District	Monomoy Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,270.00 (+2.95%)	$654,300 (+5.94%) Land $385,900 Building $268,400	$643,815
2024	$2,205.00 (+5.76%)	$617,600 (+14.92%) Land $364,100 Building $253,500
2023	$2,085.00	$537,400 Land $303,400 Building $234,000

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

Flood

FEMA maps place 44 Ralph St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1987.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 84 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	86 units insured incl. 2 condo units
Nearby Flood Claims	6 (1987–2013)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2013 · tidal / storm surge

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 44 Ralph 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 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	CHATHAM WATER DEPARTMENT serves 30,000 people · EPA ID MA4055000
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 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

Cell Coverage

5G (outdoors only) and 4G LTE

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