5 Saco Ave, Oak Bluffs, MA 02557 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,814 sqft · built 1930
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,000 (Sep 2018)
Tax Bill	$9,846 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Dec 2020 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0009 B:0054 L:000`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0009 B:0054 L:000`
Alternative APN	`1380`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,814 sqft Living Area
Gross Area	4,104 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2008
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1380
Street Address	5 SACO AVE
City	OAK BLUFFS
State	MA
Zip	02557-7197
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	54
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	2
Census Block	2007
Census Tract	200200

Owner

Source: Dukes County and Oak Bluffs Town records, as of October 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	888 TREMONT ST, BOSTON, MA 02118-1097
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2020	Deed of Trust, Mortgage · ARM EASTERN BANK
Dec 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK
Jan 31, 2023	Redemption Deed, Transfer
Jan 31, 2023	Redemption Deed, Transfer
Jan 31, 2023	Redemption Deed, Transfer
Sep 14, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2018 · Amount on Record
Deed Sale	Sep 14, 2018 · Amount on Record
Deed Document Number	20185159
Deed Book / Page	1476 / 763
Last Transfer Date	Feb 26, 2019
Transfer Doc	001647-737
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	5 SACO AVE, OAK BLUFFS, MA 02557-7197
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1518-760
Date	Jan 23, 2020
Book Page	1518/760
Instrument	518

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2030

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	5 SACO AVE, OAK BLUFFS, MA 02557-7197
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1558-429
Date	Dec 30, 2020
Book Page	1558/429
Instrument	8930

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

January 2023: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Jan 31, 2023
Property Address	5 SACO AVE, OAK BLUFFS, MA 02557-7197
Document Number	001647-739
Book / Page	1647 / 739
Instrument Date	Feb 26, 2019
Instrument	571
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2023: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Jan 31, 2023
Property Address	5 SACO AVE, OAK BLUFFS, MA 02557-7197
Document Number	001647-737
Book / Page	1647 / 737
Instrument Date	Feb 26, 2019
Instrument	569
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2023: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Jan 31, 2023
Property Address	5 SACO AVE, OAK BLUFFS, MA 02557-7197
Document Number	001647-738
Book / Page	1647 / 738
Instrument Date	Feb 26, 2019
Instrument	570
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Sep 14, 2018
Property Address	5 SACO AVE, OAK BLUFFS, MA 02557-7197
Document Number	1476-763
Book / Page	001476 / 000763
Instrument Date	Sep 11, 2018
Instrument	5159
Transaction Type	Transfer
Record Updated	Oct 2, 2018

Transaction

Amount	Amount Recorded
Tax	$3,579.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	888 TREMONT ST BOSTON MA 021181097, BOSTON, MA 02118-1097

Tax Assessment & Valuation

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	Assessed Market Value
2025	$9,846.00 (+0.64%)	$1,949,800 (+4.23%) Land $1,230,200 Building $719,600	$1,962,612
2024	$9,783.00 (+3.62%)	$1,870,600 (+4.61%) Land $1,117,900 Building $752,700
2023	$9,441.00	$1,788,100 Land $1,086,300 Building $701,800

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 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 Record 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

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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