5 Central Ave, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 5 Central Ave, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 620 sqft · built 1870
Owner	2 Individual Names on File
Tax Bill	$2,247 (2025)
Deeds & Mortgages	Dec 2020 Refinance Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0081 B:0400 L:000`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0081 B:0400 L:000`
Alternative APN	`4883`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	620 sqft Living Area
Gross Area	928 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1983
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt

Utilities, Heating & Cooling

Heating Fuel	Coal

Location & Zoning

Account Number	4883
Street Address	5 CENTRAL AVE
City	OAK BLUFFS
State	MA
Zip	02557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	400
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	2
Census Block	2018
Census Tract	200200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Wesleyan Grove listed 2005 · 309 contributing resources · National Historic Landmark (designated 2005) · NRIS 05000458

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

5 Central Ave, a single family home, is owned by two individuals.

Source: Dukes County and Oak Bluffs Town records, as of April 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1354, MADISON, NJ 07940-8354
Owner Type	Individual

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
Dec 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO
Jul 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROCKLAND TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	5 CENTRAL AVE, OAK BLUFFS, MA 02557
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001557-768
Date	Dec 23, 2020
Book Page	1557/768
Instrument	8789

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	5 CENTRAL AVE, OAK BLUFFS, MA 02557
Document Number	1500-245
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 CENTRAL AVE VINEYARD HAVEN MA 02568, VINEYARD HAVEN, MA 02568

Mortgage

Document Number	1500-245
Date	Jul 2, 2019
Book Page	001500/000245
Instrument	3600

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5 Central Ave was $2,247, down 1.7% from the year before.

Source: Dukes County and Oak Bluffs Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Oak Bluffs Town
Elementary School District	Oak Bluffs School District (PK - 08)
Secondary School District	Martha's Vineyard School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,247.00 (-1.75%)	$444,900 (+1.74%) Building $444,900
2024	$2,287.00 (-2.8%)	$437,300 (-1.86%) Building $437,300
2023	$2,353.00	$445,600 Building $445,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 5 Central Ave 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 February 7, 2025 · 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 50 individual policies
Nearby Flood Policies	68 units insured incl. 18 condo units
Nearby Flood Claims	6 (1991–1998)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 1998 · rainfall accumulation
Claims by Event	Coastal Storm, Oct 1991 · 2 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

The area around 5 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	OAK BLUFFS WATER DISTRICT serves 24,000 people · EPA ID MA4221000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2021–2023) 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 286 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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