49 Bay St, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 49 Bay St, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,391 sqft · built 1986
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Individual Names on File
Last Sale	$5,300,000 (May 2025)
Tax Bill	$29,185 (2025)
Deeds & Mortgages	May 2025 Sale Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:072 L:023002`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:072 L:023002`
Alternative APN	`329941`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,391 sqft Living Area
Gross Area	10,032 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	48,787 sqft (1.12 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	329941
Street Address	49 BAY ST
City	OSTERVILLE
State	MA
Zip	02655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Lot Number	23002
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1017
Census Tract	13002

Owner

49 Bay St is owned by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	272 CONCORD ST, CARLISLE, MA 01741-1525
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 15, 2025	Quit Claim Deed, Transfer
Jan 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage GOLDMAN SACHS BK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2025 · Amount on File
Deed Sale	May 15, 2025 · Amount on File
Prior Sale	Aug 31, 2012 · Amount on File
Prior Transfer Date	Apr 28, 2025
Prior Transfer Doc	0001523114
Record Updated	Oct 29, 2026

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	May 15, 2025
Property Address	49 BAY ST, OSTERVILLE, MA 02655
Document Number	0001523114
Instrument Date	Apr 28, 2025
Instrument	1523114
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	272 CONCORD ST, CARLISLE, MA 01741-1525

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	49 BAY ST, OSTERVILLE, MA 02655
Document Number	0001387833
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 N BAY RD OSTERVILLE MA 02655, OSTERVILLE, MA 02655

Mortgage

Document Number	0001387833
Date	Jan 7, 2020
Instrument	1387833

Lender

Name	GOLDMAN SACHS BK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 49 Bay St was $29,185, up 3.6% from the year before.

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	$29,185.00 (+3.6%)	$3,607,500 (+0.01%) Land $1,727,100 Building $1,880,400	$5,015,715
2024	$28,171.00 (+17.91%)	$3,607,100 (+25.91%) Land $1,727,100 Building $1,880,000
2023	$23,892.00	$2,864,800 Land $1,361,000 Building $1,503,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 49 Bay St in Zone X, an area of minimal 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 minimal risk
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	Hurricane Bob, Aug 1991 · 6 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

Wildfire risk around 49 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 94% of the US · lower than 88% 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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