46 West St, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 46 West St, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,044 sqft · built 1975
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Tax Bill	$15,771 (2025)
Deeds & Mortgages	Apr 2022 Transfer Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`OSTE M:138 L:006`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:138 L:006`
Alternative APN	`72897`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,044 sqft Living Area
Gross Area	6,694 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	72897
Street Address	46 WEST ST
City	OSTERVILLE
State	MA
Zip	02655-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	6
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	2
Census Block	2019
Census Tract	13002

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	46 WEST ST, OSTERVILLE, MA 02655-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Quit Claim Deed, Transfer Quitclaim
Jun 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPE COD FIVE CENT BK
Jun 8, 2017	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2010
Deed Sale	Aug 13, 2010
Deed Document Number	20101146281
Last Transfer Date	Jan 31, 2022
Transfer Doc	0001457559
Record Updated	Sep 20, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Apr 26, 2022
Property Address	46 WEST ST, OSTERVILLE, MA 02655-2231
Document Number	0001457559
Instrument Date	Jan 31, 2022
Instrument	1457559
Transaction Type	Transfer
Record Updated	May 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 WEST ST, OSTERVILLE, MA 02655-2231

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	46 WEST ST, OSTERVILLE, MA 02655-2231
Document Number	0001323426
Instrument Date	Jun 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust

Mortgage

Document Number	0001323426
Date	Jun 13, 2017
Instrument	1323426

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 12, 2032

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	46 WEST ST, OSTERVILLE, MA 02655-2231
Document Number	0001323427
Instrument Date	Jun 8, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust

Mortgage

Document Number	0001323427
Date	Jun 13, 2017
Instrument	1323427

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 12, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$15,771.00 (+6.17%)	$1,949,500 (+2.49%) Land $1,074,700 Building $874,800	$4,059,825
2024	$14,855.00 (+4.16%)	$1,902,100 (+11.23%) Land $1,074,700 Building $827,400
2023	$14,262.00	$1,710,100 Land $977,000 Building $733,100

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 October 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Nearby Flood Policies	44 in force
Nearby Flood Claims	14 (1990–2026)
Claims Outside the SFHA	9 of 14
Most Recent Claim	Feb 2026 · other causes
Claims by Event	Hurricane Bob, Aug 1991 · 7 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 74 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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