440 Main St, Brewster, MA 02631 Property Records

Barnstable County and Brewster Town property record for 440 Main St, Brewster, MA 02631

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4 bd · 2.5 ba · 3,363 sqft · built 1969
Lot Size	0.859 acres (37,400 sqft)
Owner	2 Trust Names on File
Last Sale	$500,000 (Jan 2021)
Tax Bill	$4,188 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BREW M:16 B:28`

Property Details

APN / Parcel Number

Primary APN	`BREW M:16 B:28`
Alternative APNs	`M:00022 L:00042` `2540`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,363 sqft Total Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,400 sqft (0.859 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2540
Street Address	440 MAIN ST
City	BREWSTER
State	MA
Zip	02631-1001
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	RESD.
Legal Block	28
Jurisdiction	BREWSTER MA
Township / Civil Division	BREWSTER
Census Block Group	1
Census Block	1005
Census Tract	10800

Owner

440 Main St, a commercial property, is held in a trust since May 2021.

Source: Barnstable County and Brewster Town records, as of May 27, 2026

Owner of Record	2 Trust Names on File
Mailing Address	440 MAIN ST, BREWSTER, MA 02631-1001
Owner Type	Company
Vesting	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
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit NAVEO CREDIT UNION
May 19, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 15, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Apr 15, 2011 · Amount on File
Deed Document Number	20213685
Deed Book / Page	33692 / 109
Last Transfer Date	May 14, 2021
Transfer Doc	34127-234
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREWSTER MA
Recording Date	Apr 13, 2026
Property Address	440 MAIN ST, BREWSTER, MA 02631-1001
Document Number	0037564-16
Book / Page	37564 / 16
Instrument Date	Apr 13, 2026
Instrument	202613969
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013969,
Date	Apr 13, 2026
Book Page	37564/16
Instrument	202613969

Lender

Name	NAVEO CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Max Rate	-1%

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREWSTER MA
Recording Date	May 19, 2021
Property Address	440 MAIN ST, BREWSTER, MA 02631-1001
Document Number	34127-234
Book / Page	34127 / 234
Instrument Date	May 14, 2021
Instrument	34175
Transaction Type	Transfer
Record Updated	Jun 4, 2021

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	440 MAIN ST, BREWSTER, MA 02631-1001

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREWSTER MA
Recording Date	Jan 15, 2021
Property Address	440 MAIN ST, BREWSTER, MA 02631-1001
Document Number	33692-109
Book / Page	33692 / 109
Instrument Date	Jan 15, 2021
Instrument	3685
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
Relationship	Tenants by the Entirety
Address	50 BOW ST UNIT 3, 3, SOMERVILLE, MA 02143-2906

Mortgage

Document Number	3686
Date	Jan 15, 2021
Instrument	3686

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 440 Main St was $4,188, up 5.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Brewster Town
Elementary School District	Brewster School District (PK - 05)
Secondary School District	Nauset School District (06 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,188.00 (+5.89%)	$608,700 (+4.8%) Land $246,700 Building $362,000
2024	$3,955.00 (-2.49%)	$580,800 (+0.09%) Land $237,200 Building $343,600
2023	$4,056.00	$580,300 Land $270,900 Building $309,400

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 440 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 440 Main St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	BREWSTER WATER DEPARTMENT serves 35,000 people · EPA ID MA4041000
Water Source	Groundwater
Last State Inspection	May 2026
Lead	3 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	21 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 40 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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