455 McKoy Rd, Eastham, MA 02642 Property Records

Barnstable County and Eastham Town property record for 455 McKoy Rd, Eastham, MA 02642

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,411 sqft · built 1989
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Aug 2014)
Tax Bill	$7,950 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:0010 L:0089=L`

Property Details

APN / Parcel Number

Primary APN	`M:0010 L:0089=L`
Alternative APNs	`EAST M:0010 L:0089-L` `3135`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,411 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2005
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3135
Street Address	455 MCKOY RD
City	EASTHAM
State	MA
Zip	02642-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDE
Legal Lot Number	89-L
Jurisdiction	EASTHAM MA
Township / Civil Division	EASTHAM
Census Block Group	2
Census Block	2006
Census Tract	10304

Owner

455 McKoy Rd is owned and occupied by two individuals who bought it in August 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	455 MCKOY RD, EASTHAM, MA 02642-2804
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
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPE COD FIVE CENTS SVGS BK
May 12, 2017	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENT BK
Feb 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPE COD FIVE CENT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2014 · Amount on File
Deed Sale	Aug 28, 2014 · Amount on File
Deed Book / Page	28351 / 13
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EASTHAM MA
Property Address	455 MCKOY RD, EASTHAM, MA 02642-2804
Document Number	33417-22
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 MCKOY RD EASTHAM MA 026422804, EASTHAM, MA 02642-2804

Mortgage

Document Number	33417-22
Date	Oct 30, 2020
Book Page	033417/000022
Instrument	60068

Lender

Name	CAPE COD FIVE CENTS SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 29, 2035

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EASTHAM MA
Property Address	455 MCKOY RD, EASTHAM, MA 02642-2804
Document Number	30492-117
Book / Page	030492 / 000117
Instrument Date	May 12, 2017
Transaction Type	Mortgage
Record Updated	Jun 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	30492-117
Date	May 17, 2017
Book Page	030492/000117
Instrument	23956

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 16, 2042

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EASTHAM MA
Property Address	455 MCKOY RD, EASTHAM, MA 02642-2804
Document Number	30313-155
Book / Page	030313 / 000155
Instrument Date	Feb 17, 2017
Transaction Type	Mortgage
Record Updated	Mar 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30313-155
Date	Feb 23, 2017
Book Page	030313/000155
Instrument	9033

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 22, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 455 McKoy Rd was $7,950, up 15.4% 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	$7,950.00 (+15.43%)	$1,031,100 (+4.96%) Land $263,500 Building $767,600	$1,107,700
2024	$6,887.00 (+9.4%)	$982,400 (+12.98%) Land $255,800 Building $726,600
2023	$6,295.00	$869,500 Land $236,900 Building $632,600

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

Flood

FEMA maps place 455 McKoy Rd in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1978.

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 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	26 (1978–2018)
Claims Outside the SFHA	2 of 26
Most Recent Claim	Jan 2018 · other causes
Claims by Event	Blizzards, High Winds & Record Snowfall, Mar 1993 · 2 claims Winter Coastal Storm, Dec 1992 · 3 claims Coastal Storm, Oct 1991 · 3 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 455 McKoy Rd 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	TOWN OF EASTHAM serves 6,199 people · EPA ID MA4086095
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 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	None 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 283 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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