45 Clover Way, Eastham, MA 02642 Property Records

Barnstable County and Eastham Town property record for 45 Clover Way, Eastham, MA 02642

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,162 sqft · built 1978
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Jun 2020)
Tax Bill	$4,106 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`EAST M:0018 L:0140`

Property Details

APN / Parcel Number

Primary APN	`EAST M:0018 L:0140`
Alternative APN	`5608`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,162 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	28,314 sqft (0.65 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5608
Street Address	45 CLOVER WAY
City	EASTHAM
State	MA
Zip	02642-2650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Lot Number	140
Jurisdiction	EASTHAM MA
Township / Civil Division	EASTHAM
Census Block Group	1
Census Block	1013
Census Tract	10304

Owner

45 Clover Way is owned by two individuals who bought it in June 2020.

Source: Barnstable County and Eastham Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	130 W 71ST ST, 3, NEW YORK, NY 10023-4069
Owner Type	Individual

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 9, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 19, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PENNYMAC LOAN SERVICES LLC
Jul 26, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2020 · Amount on File
Deed Sale	Jun 19, 2020 · Amount on File
Prior Sale	Jul 26, 2019 · Amount on File
Deed Document Number	202029618
Deed Book / Page	33001 / 32
Prior Transfer Date	Jun 11, 2020
Prior Transfer Doc	33001-32
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EASTHAM MA
Property Address	45 CLOVER WAY, EASTHAM, MA 02642-2650
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035582-305
Date	Jan 9, 2023
Book Page	35582/305
Instrument	973

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	289 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EASTHAM MA
Recording Date	Jun 19, 2020
Property Address	45 CLOVER WAY, EASTHAM, MA 02642-2650
Document Number	33001-32
Book / Page	33001 / 32
Instrument Date	Jun 11, 2020
Instrument	29618
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
Address	130 WEST ST #3 # 3, 3, NEW YORK, NY 10023

Mortgage

Document Number	29619
Date	Jun 19, 2020
Instrument	29619

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EASTHAM MA
Recording Date	Jul 26, 2019
Property Address	45 CLOVER WAY, EASTHAM, MA 02642-2650
Document Number	32183-205
Book / Page	32183 / 205
Instrument Date	Jul 15, 2019
Instrument	35402
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
Address	PO BOX 1134, NORTH EASTHAM, MA 02651-1134

Mortgage

Document Number	35403
Date	Jul 26, 2019
Instrument	35403

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 45 Clover Way was $4,106, up 12.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,106.00 (+12.52%)	$532,600 (+2.32%) Land $277,200 Building $255,400	$612,845
2024	$3,649.00 (+6.98%)	$520,500 (+10.49%) Land $269,100 Building $251,400
2023	$3,411.00	$471,100 Land $249,200 Building $221,900

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

Flood

FEMA maps place 45 Clover Way in Zone X, an area of minimal flood risk, though there have been 16 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 67 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	67 in force
Nearby Flood Claims	16 (1987–2023)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Feb 2023 · rainfall accumulation
Claims by Event	Severe Winter Storm And Snowstorm, Jan 2022 · 2 claims Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 2 claims Coastal Storm, Oct 1991 · 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

Wildfire risk around 45 Clover Way 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 99.1% of the US · lower than 98.7% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Clover Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures