48 Paddock Rd, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 48 Paddock Rd, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	4 bd · 7 ba · 4,237 sqft · built 2019
Lot Size	3.38 acres (147,627 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Oct 2018)
Tax Bill	$23,781 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0042 B:0027 L:004`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0042 B:0027 L:004`
Alternative APN	`5136`

Interior

Bedrooms	4 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,237 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	147,627 sqft (3.38 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5136
Street Address	48 PADDOCK RD
City	OAK BLUFFS
State	MA
Zip	02557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	27
Legal Lot Number	4
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	3
Census Block	3026
Census Tract	200200

Owner

Source: Dukes County and Oak Bluffs 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	2 Individual Names on Record
Mailing Address	1403 HAWTHORN WAY, WESTLAKE, TX 76262-9034
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · ARM MORGAN STANLEY CREDIT CORP
Jul 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Oct 17, 2018	Quit Claim Deed, Transfer CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2018 · Amount on Record
Deed Sale	Oct 17, 2018 · Amount on Record
Prior Sale	Nov 7, 2016 · Amount on Record
Deed Book / Page	1479 / 211
Transfer Doc	001479-211
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	48 PADDOCK RD, OAK BLUFFS, MA 02557
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001612-295
Date	Jan 28, 2022
Book Page	1612/295
Instrument	202200000512

Lender

Name	MORGAN STANLEY CREDIT CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.6%
Type Change Date	Feb 1, 2032
Index	Other
Margin	3

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	48 PADDOCK RD, OAK BLUFFS, MA 02557
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1501-300
Date	Jul 16, 2019
Book Page	1501/300
Instrument	3855

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Oct 17, 2018
Property Address	48 PADDOCK RD, OAK BLUFFS, MA 02557
Document Number	1479-211
Book / Page	1479 / 211
Instrument	5900
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14790214
Date	Oct 17, 2018
Instrument	01479/0214

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2048

Interest

Rate	5.25%
Max Rate At Change	10.1%
Max Rate	3%

Tax Assessment & Valuation

Source: Dukes County and Oak Bluffs Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Oak Bluffs Town
Elementary School District	Oak Bluffs School District (PK - 08)
Secondary School District	Martha's Vineyard School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$23,781.00 (+1.02%)	$4,709,100 (+4.63%) Land $1,084,300 Building $3,624,800	$4,203,970
2024	$23,540.00 (+9.55%)	$4,500,900 (+10.6%) Land $869,500 Building $3,631,400
2023	$21,488.00	$4,069,700 Land $844,900 Building $3,224,800

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 55 policies
Nearby Flood Policies	55 in force
Nearby Flood Claims	7 (1978–2012)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Coastal Storm, Oct 1991 · 2 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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