45 Swift Ave, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 45 Swift Ave, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,614 sqft · built 1960
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Apr 1996)
Tax Bill	$6,423 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Feb 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:165 L:034`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:165 L:034`
Alternative APN	`90671`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,614 sqft Living Area
Gross Area	3,724 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	90671
Street Address	45 SWIFT AVE
City	OSTERVILLE
State	MA
Zip	02655-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	34
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3019
Census Tract	13002

Owner

45 Swift Ave is owned and occupied by two individuals who bought it in April 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 SWIFT AVE, OSTERVILLE, MA 02655-1440
Occupancy	Owner Occupied
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
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Feb 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION
Sep 6, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage RADIUS FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 1996 · Amount on File
Deed Sale	Apr 2, 1996 · Amount on File
Deed Book / Page	10131 / 114
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	45 SWIFT AVE, OSTERVILLE, MA 02655-1440
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035561-237
Date	Dec 27, 2022
Book Page	35561/237
Instrument	63089

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	45 SWIFT AVE, OSTERVILLE, MA 02655-1440
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034875-294
Date	Feb 2, 2022
Book Page	34875/294
Instrument	5772

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	45 SWIFT AVE, OSTERVILLE, MA 02655-1440
Document Number	31547-340
Instrument Date	Sep 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SWIFT AVE OSTERVILLE MA 026551440, OSTERVILLE, MA 02655-1440

Mortgage

Document Number	31547-340
Date	Sep 24, 2018
Book Page	031547/000340
Instrument	46911

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	45 SWIFT AVE, OSTERVILLE, MA 02655-1440
Document Number	30269-187
Book / Page	030269 / 000187
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Feb 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	30269-187
Date	Jan 31, 2017
Book Page	030269/000187
Instrument	5283

Lender

Name	RADIUS FIN'L
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 45 Swift Ave was $6,423, up 3.7% from the year before.

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	$6,423.00 (+3.66%)	$793,900 (+0.08%) Land $344,300 Building $449,600	$967,100
2024	$6,196.00 (+4.22%)	$793,300 (+11.29%) Land $344,300 Building $449,000
2023	$5,945.00	$712,800 Land $320,100 Building $392,700

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

Flood

FEMA maps place 45 Swift Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2004 · rainfall accumulation

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 Swift Ave 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.

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 146 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 Swift Ave

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