490 Cotuit Bay Dr, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 490 Cotuit Bay Dr, Cotuit, MA 02635 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,136 sqft · built 1977
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Trust Names on File
Last Sale	$850,000 (Nov 2020)
Tax Bill	$9,678 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Feb 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`COTU M:055 L:034`

Property Details

APN / Parcel Number

Primary APN	`COTU M:055 L:034`
Alternative APN	`31548`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,136 sqft Living Area
Gross Area	5,261 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,185 sqft (0.67 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	31548
Street Address	490 COTUIT BAY DR
City	COTUIT
State	MA
Zip	02635-2935
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	34
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3030
Census Tract	13200

Owner

Source: Barnstable County and Barnstable Town City records · APN COTU M:055 L:034

Assessment roll updated May 27, 2026 · Last verified August 2026

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

Owner of Record	2 Trust Names on File
Mailing Address	490 COTUIT BAY DR, COTUIT, MA 02635-2935
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Feb 06, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 31, 2017	Quit Claim Deed, Transfer · Conventional Mortgage CAPE COD FIVE CENT BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Prior Sale	Oct 31, 2017 · Amount on Record
Record Updated	Sep 20, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Nov 16, 2020
Property Address	490 COTUIT BAY DR, COTUIT, MA 02635-2935
Document Number	0001411952
Instrument Date	Nov 13, 2020
Instrument	1411952
Transaction Type	Transfer
Record Updated	Dec 09, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,845.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 COTUIT BAY DR COTUIT MA 026352935, COTUIT, MA 02635-2935

Mortgage

Document Number	1411953
Date	Nov 16, 2020
Instrument	1411953

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Feb 06, 2020
Property Address	490 COTUIT BAY DR, COTUIT, MA 02635-2935
Document Number	0001389804
Instrument Date	Feb 04, 2020
Instrument	1389804
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	490 COTUIT BAY DR COTUIT MA 026352935, COTUIT, MA 02635-2935

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Oct 31, 2017
Property Address	490 COTUIT BAY DR, COTUIT, MA 02635-2935
Document Number	0001333381
Instrument Date	Oct 25, 2017
Instrument	1333381
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,767.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 306 BERLIN MA 015030306, BERLIN, MA 01503-0306

Mortgage

Document Number	1333382
Date	Oct 31, 2017
Instrument	1333382

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2047

Interest

Rate	3%

Tax Assessment & Valuation

Source: Barnstable County and Barnstable Town City records · Assessment roll updated May 27, 2026 · Last verified August 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

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	$9,678.00 (+12.3%)	$1,159,000 (+5.98%) Land $286,600 Building $872,400	$1,274,900
2024	$8,618.00 (+4.87%)	$1,093,600 (+11.39%) Land $286,600 Building $807,000
2023	$8,218.00	$981,800 Land $283,500 Building $698,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Barnstable County (25001C), updated October 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250010132003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
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 Storm	Hurricane Bob, Aug 1991 · 2 claims

Wildfire

Wildfire Risk	Low above 5% of the US · above 10% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 95 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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