44 Union St, Nantucket, MA 02554 Property Records

Nantucket County and Nantucket Town property record for 44 Union St, Nantucket, MA 02554

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,670 sqft · built 1835
Lot Size	0.315 acres (13,712 sqft)
Owner	2 Trust Names on File
Tax Bill	$8,947 (2026)
Deeds & Mortgages	Jan 2024 Transfer Mar 2022 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`NANT M:04223 P:00029`

Property Details

APN / Parcel Number

Primary APN	`NANT M:04223 P:00029`
Alternative APN	`9417`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,670 sqft Living Area
Gross Area	4,668 sqft
1st Floor Area	1,720 sqft
Attic	Attic
Attic Area	950 sqft
Basement Area	950 sqft
Unfinished Basement	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1835
Effective Year Built	Effective 1835
Architectural Style	Historical
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,712 sqft (0.315 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9417
Street Address	44 UNION ST
City	NANTUCKET
State	MA
Zip	02554-3854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ROH
Jurisdiction	NANTUCKET MA
Township / Civil Division	NANTUCKET
Census Block Group	2
Census Block	2037
Census Tract	950100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Nantucket Historic District listed 1966 · National Historic Landmark (designated 1966) · NRIS 66000772

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

44 Union St is held in a trust since January 2024.

Source: Nantucket County and Nantucket Town records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	44 UNION ST, NANTUCKET, MA 02554-3854
Owner Type	Company
Vesting	Trust, Irrevocable Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Quit Claim Deed, Transfer Quitclaim
Mar 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
May 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 12, 2024
Transfer Doc	001965-212
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NANTUCKET MA
Recording Date	Jan 17, 2024
Property Address	44 UNION ST, NANTUCKET, MA 02554-3854
Document Number	001965-212
Book / Page	1965 / 212
Instrument Date	Jan 12, 2024
Instrument	122
Transaction Type	Transfer
Record Updated	Feb 2, 2024

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	44 UNION ST, NANTUCKET, MA 02554-3854

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NANTUCKET MA
Property Address	44 UNION ST, NANTUCKET, MA 02554-3854
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001886-132
Date	Mar 24, 2022
Book Page	1886/132
Instrument	829

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NANTUCKET MA
Property Address	44 UNION ST, NANTUCKET, MA 02554-3854
Document Number	1646-44
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 UNION ST NANTUCKET MA 025543854, NANTUCKET, MA 02554-3854

Mortgage

Document Number	1646-44
Date	May 15, 2018
Book Page	001646/000044
Instrument	1387

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 44 Union St was $8,947, up 7.5% from the year before.

Source: Nantucket County and Nantucket Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Nantucket County
County Subdivision	Nantucket Town
Unified School District	Nantucket School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,947.00 (+7.48%)	$2,867,500 (+12.99%) Land $1,481,700 Building $1,385,800	$4,067,756
2025	$8,324.00 (+8.2%)	$2,537,800 (+3.26%) Land $1,074,500 Building $1,463,300
2024	$7,693.00 (+21.26%)	$2,457,700 (+24.36%) Land $1,033,100 Building $1,424,600
2023	$6,344.00	$1,976,200 Land $906,200 Building $1,070,000

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

Flood

FEMA maps place 44 Union St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 7, 2025 · 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 319 individual policies
Nearby Flood Policies	357 units insured incl. 38 condo units
Nearby Flood Claims	380 (1978–2026)
Claims Outside the SFHA	20 of 380
Most Recent Claim	Feb 2026 · Severe Winter Storm And Snowstorm
Claims by Event	Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 99 claims Winter Coastal Storm, Dec 1992 · 71 claims Coastal Storm, Oct 1991 · 118 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

Wildfire risk around 44 Union 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 94% of the US · lower than 86% 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	WANNACOMET WATER COMPANY serves 27,703 people · EPA ID MA4197000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 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	67 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 393 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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