Barnstable County and Barnstable Town City property record for 481 Cotuit Bay Dr, Cotuit, MA 02635
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,528 sqft · built 1984 |
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $294,000 (Apr 1997) |
| Tax Bill | $8,367 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | COTU M:055 L:051 |
| Primary APN | COTU M:055 L:051 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,528 sqft Living Area |
| Gross Area | 7,412 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,431 sqft (1.02 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 31717 |
|---|---|
| Street Address | 481 COTUIT BAY DR |
| City | COTUIT |
| State | MA |
| Zip | 02635-2910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Lot Number | 51 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 13200 |
Source: Barnstable County and Barnstable Town City records · APN COTU M:055 L:051
Assessment roll updated May 27, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 481 COTUIT BAY DR, COTUIT, MA 02635-2910 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BNC NAT'L BK |
| May 04, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 03, 1997 · Amount on Record |
| Deed Sale | Apr 03, 1997 · Amount on Record |
| Prior Sale | Apr 03, 1997 · Amount on Record |
| Deed Book / Page | 10680 / 314 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 481 COTUIT BAY DR, COTUIT, MA 02635-2910 |
| Document Number | 33615-176 |
| Instrument Date | Dec 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 481 COTUIT BAY DR COTUIT MA 026352910, COTUIT, MA 02635-2910 |
| Document Number | 33615-176 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 033615/000176 |
| Instrument | 74103 |
| Name | BNC NAT'L BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 27, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 481 COTUIT BAY DR, COTUIT, MA 02635-2910 |
| Document Number | 30488-86 |
| Book / Page | 030488 / 000086 |
| Instrument Date | May 04, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 30488-86 |
|---|---|
| Date | May 15, 2017 |
| Book Page | 030488/000086 |
| Instrument | 23592 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 14, 2032 |
Source: Barnstable County and Barnstable Town City records · Assessment roll updated May 27, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| Municipality | Barnstable Town City |
| Unified School District | Barnstable School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,367.00 (+9.83%) | $1,002,000 (+3.64%) Land $300,300 Building $701,700 | $1,106,085 |
| 2024 | $7,618.00 (+2.31%) | $966,800 (+8.68%) Land $300,300 Building $666,500 | |
| 2023 | $7,446.00 | $889,600 Land $297,100 Building $592,500 |
Source: FEMA National Flood Hazard Layer as of October 1, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 3 (1991–1997) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Apr 1997 · tidal / storm surge |
| Claims by Event |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 95 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COTUIT FIRE DISTRICT WATER DEPARTMENT serves 4,938 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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