442 Bay Ln, Centerville, MA 02632 Property Records

Barnstable County and Barnstable Town City property record for 442 Bay Ln, Centerville, MA 02632

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,957 sqft · built 1995
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,650,000 (Aug 2026)
Tax Bill	$14,152 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CENT M:186 L:085`

Property Details

APN / Parcel Number

Primary APN	`CENT M:186 L:085`
Alternative APN	`107495`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,957 sqft Living Area
Gross Area	8,061 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,185 sqft (0.67 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	107495
Street Address	442 BAY LN
City	CENTERVILLE
State	MA
Zip	02632-3314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	85
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1034
Census Tract	12700

Owner

Source: Barnstable County and Barnstable Town City records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	21 SYCAMORE DR, WESTWOOD, MA 02090-3228
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA
Jul 31, 2026	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE MORTGAGE
Mar 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
May 5, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2026 · Amount on Record
Deed Sale	Aug 11, 2026 · Amount on Record
Prior Sale	Aug 8, 2024 · Amount on Record
Deed Document Number	20261549300
Prior Transfer Date	Jul 27, 2026
Prior Transfer Doc	0001548660
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CENTERVILLE MA
Recording Date	Aug 11, 2026
Property Address	442 BAY LN, CENTERVILLE, MA 02632-3314
Document Number	0001549300
Instrument Date	Aug 10, 2026
Instrument	20261549300
Transaction Type	Transfer
Record Updated	Sep 1, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 SYCAMORE DR, WESTWOOD, MA 02090-3228

Mortgage

Date	Aug 11, 2026

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Type Change Date	Sep 1, 2031
Index	1-Year CMT
Margin	3
Max Rate	-1%

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CENTERVILLE MA
Recording Date	Jul 31, 2026
Property Address	442 BAY LN, CENTERVILLE, MA 02632-3314
Document Number	0001548660
Instrument Date	Jul 27, 2026
Instrument	20261548660
Transaction Type	Transfer
Record Updated	Aug 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Date	Jul 31, 2026

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.47%
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTERVILLE MA
Property Address	442 BAY LN, CENTERVILLE, MA 02632-3314
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001540717
Date	Mar 25, 2026
Instrument	1540717

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTERVILLE MA
Recording Date	May 5, 2026
Property Address	442 BAY LN, CENTERVILLE, MA 02632-3314
Document Number	0001543107
Instrument Date	Apr 6, 2026
Instrument	20261543107
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 BAY LN, CENTERVILLE, MA 02632-3314

Mortgage

Document Number	0001543107,
Date	May 5, 2026
Instrument	20261543107

Lender

Name	NORTHPOINTE BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

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	$14,152.00 (+13.49%)	$1,749,300 (+9.56%) Land $370,800 Building $1,378,500	$1,499,195
2024	$12,470.00 (+6%)	$1,596,700 (+13.19%) Land $370,800 Building $1,225,900
2023	$11,764.00	$1,410,600 Land $344,800 Building $1,065,800

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 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	9 (1978–2023)
Most Recent Claim	Mar 2023 · rainfall accumulation
Claims by Event	Hurricane Bob, Aug 1991 · 3 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% 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	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 81 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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