46 Union St, Nantucket, MA 02554 Property Records

Nantucket County and Nantucket Town property record for 46 Union St, Nantucket, MA 02554

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,979 sqft · built 1925
Lot Size	0.155 acres (6,742 sqft)
Owner	Trust Name on Record
Last Sale	$1,650,000 (Oct 2020)
Tax Bill	$9,544 (2026)
Deeds & Mortgages	Nov 2021 Refinance Oct 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`NANT M:04223 P:00028`

Property Details

APN / Parcel Number

Primary APN	`NANT M:04223 P:00028`
Alternative APN	`9416`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,979 sqft Living Area
Gross Area	3,953 sqft
1st Floor Area	1,205 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	6,742 sqft (0.155 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9416
Street Address	46 UNION ST
City	NANTUCKET
State	MA
Zip	02554-3854
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ROH
Jurisdiction	NANTUCKET MA
Township / Civil Division	NANTUCKET
Census Block Group	2
Census Block	2037
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

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

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

Owner of Record	Trust Name on Record
Mailing Address	PO BOX 786, NANTUCKET, MA 02554-0786
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Oct 6, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Prior Transfer Date	Sep 30, 2020
Prior Transfer Doc	1770-303
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NANTUCKET MA
Property Address	46 UNION ST, NANTUCKET, MA 02554-3854
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1859-254
Date	Nov 2, 2021
Book Page	1859/254
Instrument	4386

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NANTUCKET MA
Recording Date	Oct 6, 2020
Property Address	46 UNION ST, NANTUCKET, MA 02554-3854
Document Number	1770-303
Book / Page	1770 / 303
Instrument Date	Sep 30, 2020
Instrument	2684
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
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	34 MAIN ST, NANTUCKET, MA 02554-6114

Mortgage

Document Number	2687
Date	Oct 6, 2020
Instrument	2687

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Nov 1, 2027
Max Rate At Change	2.25%
Index	1-Year CMT

Tax Assessment & Valuation

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	$9,544.00 (-3.37%)	$3,058,900 (+1.58%) Land $1,457,700 Building $1,601,200	$4,465,320
2025	$9,877.00 (+6.23%)	$3,011,300 (+1.37%) Land $1,053,700 Building $1,957,600
2024	$9,298.00 (+123.94%)	$2,970,700 (+129.68%) Land $1,013,100 Building $1,957,600
2023	$4,152.00	$1,293,400 Land $887,800 Building $405,600

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 February 7, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 86% 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	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 393 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

May also be available: Verizon.

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