Barnstable County and Barnstable Town City property record for 48 Bay St, Osterville, MA 02655
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,404 sqft · built 1952 |
| Lot Size | 1.29 acres (56,192 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,275,000 (Sep 2013) |
| Tax Bill | $20,622 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | OSTE M:117 L:034 |
| Primary APN | OSTE M:117 L:034 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,404 sqft Living Area |
| Gross Area | 6,090 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 56,192 sqft (1.29 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 57404 |
|---|---|
| Street Address | 48 BAY ST |
| City | OSTERVILLE |
| State | MA |
| Zip | 02655-2001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Subdivision | GORDON J MORRISON & DAVID B CO |
| Legal Lot Number | 34 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 13002 |
48 Bay St is owned by two individuals who bought it in September 2013.
Source: Barnstable County and Barnstable Town City records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 26 MELROSE LN, GREEN VILLAGE, NJ 07935-3035 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2013 · Amount on File |
| Deed Sale | Sep 26, 2013 · Amount on File |
| Prior Sale | Sep 26, 2013 · Amount on File |
| Deed Book / Page | 27717 / 297 |
| Transfer Doc | 2771000297 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 48 Bay St was $20,622, up 3.8% from the year before.
Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| Municipality | Barnstable Town City |
| Unified School District | Barnstable School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $20,622.00 (+3.85%) | $2,549,100 (+0.25%) Land $992,600 Building $1,556,500 | $2,428,295 |
| 2024 | $19,858.00 (+10.94%) | $2,542,700 (+18.47%) Land $992,600 Building $1,550,100 | |
| 2023 | $17,900.00 | $2,146,300 Land $822,300 Building $1,324,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Bay St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 File median of 96 policies |
| Nearby Flood Policies | 96 in force |
| Nearby Flood Claims | 18 (1991–2018) |
| Claims Outside the SFHA | 5 of 18 |
| Most Recent Claim | Mar 2018 · rainfall accumulation |
| Claims by Event |
|
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 risk around 48 Bay St 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 96% of the US · lower than 92% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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