45 Main St, Nantucket, MA 02554 Property Records

Nantucket County and Nantucket Town property record for 45 Main St, Nantucket, MA 02554

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1 bd · 2 ba · 2,770 sqft · built 1847
Lot Size	0.04 acres (1,745 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jun 1984)
Tax Bill	$5,014 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NANT M:04231 P:00207`

Property Details

APN / Parcel Number

Primary APN	`NANT M:04231 P:00207`
Alternative APN	`9672`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Units	3 Units
Stories	2 Stories
Building Area	2,770 sqft Total Area
Gross Area	4,135 sqft
1st Floor Area	1,405 sqft
Basement Area	1,365 sqft
Unfinished Basement	1,365 sqft

Exterior

Year Built	Built 1847
Effective Year Built	Effective 1847
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,745 sqft (0.04 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9672
Street Address	45 MAIN ST
City	NANTUCKET
State	MA
Zip	02554-3542
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	CDT
Jurisdiction	NANTUCKET MA
Township / Civil Division	NANTUCKET
Census Block Group	2
Census Block	2056
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

45 Main St, a commercial property, is owned by two individuals who bought it in June 1984.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1056, NANTUCKET, MA 02554-1056
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
Mar 3, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Jan 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Jan 19, 2017	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 1984 · Amount on File
Deed Sale	Jun 1, 1984 · Amount on File
Deed Book / Page	214 / 301
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NANTUCKET MA
Property Address	45 MAIN ST, NANTUCKET, MA 02554-3542
Document Number	1736-298
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MAIN ST NANTUCKET MA 025543542, NANTUCKET, MA 02554-3542

Mortgage

Document Number	1736-298
Date	Mar 3, 2020
Book Page	001736/000298
Instrument	612

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount on Record

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NANTUCKET MA
Property Address	45 MAIN ST, NANTUCKET, MA 02554-3542
Document Number	1574-172
Instrument Date	Jan 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1574-172
Date	Jan 19, 2017
Book Page	001574/000172
Instrument	193

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NANTUCKET MA
Property Address	45 MAIN ST, NANTUCKET, MA 02554-3542
Document Number	1574-152
Instrument Date	Jan 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1574-152
Date	Jan 19, 2017
Book Page	001574/000152
Instrument	192

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 45 Main St was $5,014.

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	$5,014.00	$1,607,175 (-72.77%) Land $1,312,625 Building $294,550	$3,668,901
2025		$5,902,100 (+5%) Land $4,777,700 Building $1,124,400
2024	$29,790.00	$5,620,800 (+4.28%) Land $4,550,200 Building $1,070,600
2023		$5,390,200 Land $4,412,300 Building $977,900

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

Flood

FEMA maps place 45 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 February 7, 2025 · 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
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

The area around 45 Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 752 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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