492 Cotuit Rd, Mashpee, MA 02649 Property Records

Barnstable County and Mashpee Town property record for 492 Cotuit Rd, Mashpee, MA 02649

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 960 sqft · built 1978
Lot Size	0.337 acres (14,680 sqft)
Owner	Individual Name on File
Last Sale	$489,900 (Sep 2024)
Tax Bill	$3,164 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MASH M:22 B:32 L:0`

Property Details

APN / Parcel Number

Primary APN	`MASH M:22 B:32 L:0`
Alternative APN	`665`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,178 sqft
1st Floor Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,680 sqft (0.337 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	665
Street Address	492 COTUIT RD
City	MASHPEE
State	MA
Zip	02649-2379
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Block	32
Jurisdiction	MASHPEE MA
Township / Civil Division	MASHPEE
Census Block Group	2
Census Block	2023
Census Tract	15001

Owner

492 Cotuit Rd is owned and occupied by an individual who bought it in September 2024.

Source: Barnstable County and Mashpee Town 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	Individual Name on File
Mailing Address	492 COTUIT RD, MASHPEE, MA 02649-2379
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Deed of Trust, Mortgage · ARM CAPE COD FIVE CENTS SAVINGS BANK
Sep 28, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK
Apr 28, 2022	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2024 · Amount on File
Deed Sale	Sep 30, 2024 · Amount on File
Prior Sale	Sep 28, 2023 · Amount on File
Deed Book / Page	36593 / 67
Prior Transfer Date	Apr 14, 2022
Prior Transfer Doc	035080-261
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MASHPEE MA
Property Address	492 COTUIT RD, MASHPEE, MA 02649-2379
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	035380-305
Date	Sep 22, 2022
Book Page	35380/305
Instrument	47192

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Type Change Date	Oct 1, 2032
Index	Other

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MASHPEE MA
Recording Date	Sep 28, 2023
Property Address	492 COTUIT RD, MASHPEE, MA 02649-2379
Document Number	0036007-86
Book / Page	36007 / 86
Instrument Date	Sep 28, 2023
Instrument	38299
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Address	492 COTUIT RD, MASHPEE, MA 02649-2379

Mortgage

Document Number	0000038301
Date	Sep 28, 2023
Instrument	38301

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MASHPEE MA
Recording Date	Apr 28, 2022
Property Address	492 COTUIT RD, MASHPEE, MA 02649-2379
Document Number	035080-261
Book / Page	35080 / 261
Instrument Date	Apr 14, 2022
Instrument	21961
Transaction Type	Transfer
Record Updated	May 13, 2022

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
Address	16 OPEN TRAIL RD, SANDWICH, MA 02563-3119

Tax Assessment & Valuation

The 2025 property tax bill for 492 Cotuit Rd was $3,164.

Source: Barnstable County and Mashpee Town assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Mashpee Town
Unified School District	Mashpee School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,164.00	$477,900 Land $169,100 Building $308,800	$465,215
2023	$2,587.00	$369,100 Land $146,400 Building $222,700

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

Flood

FEMA maps place 492 Cotuit Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2006.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2006–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2017 · rainfall accumulation

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 492 Cotuit Rd 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MASHPEE WATER DISTRICT serves 36,922 people · EPA ID MA4172039
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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, 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 151 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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