499 Old Mill Rd, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 499 Old Mill Rd, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,925 sqft · built 2005
Lot Size	2.77 acres (120,661 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,778 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:166 L:003`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:166 L:003`
Alternative APN	`91590`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,925 sqft Living Area
Gross Area	6,460 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	120,661 sqft (2.77 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	91590
Street Address	499 OLD MILL RD
City	OSTERVILLE
State	MA
Zip	02655-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Subdivision	TROY PERRY
Legal Lot Number	3
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3005
Census Tract	13002

Owner

Source: Barnstable County and Barnstable Town City records, as of July 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	499 OLD MILL RD, OSTERVILLE, MA 02655-1424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	499 OLD MILL RD, OSTERVILLE, MA 02655-1424
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035945-331
Date	Aug 18, 2023
Book Page	35945/331
Instrument	32920

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	499 OLD MILL RD, OSTERVILLE, MA 02655-1424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33421-113
Date	Oct 30, 2020
Book Page	33421/113
Instrument	60330

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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	$8,778.00 (+8.88%)	$1,085,000 (+5.11%) Land $282,200 Building $802,800	$2,092,470
2024	$8,062.00 (+3.86%)	$1,032,300 (+10.92%) Land $282,200 Building $750,100
2023	$7,762.00	$930,700 Land $259,700 Building $671,000

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 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2004 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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