508 Cotuit Bay Dr, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 508 Cotuit Bay Dr, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,601 sqft · built 1979
Lot Size	0.67 acres (29,185 sqft)
Owner	Company Name on Record
Last Sale	$1,300,000 (Oct 2023)
Tax Bill	$9,583 (2025)
Deeds & Mortgages	Jul 2021 Refinance Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`COTU M:055 L:039`

Property Details

APN / Parcel Number

Primary APN	`COTU M:055 L:039`
Alternative APN	`31593`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,601 sqft Living Area
Gross Area	7,215 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
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	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	31593
Street Address	508 COTUIT BAY DR
City	COTUIT
State	MA
Zip	02635-2914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	39
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, 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	Company Name on Record
Mailing Address	7 GALEN ST, MILTON, MA 02186-4521
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Jun 6, 2023	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Sep 7, 2021	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Aug 27, 2018	Deed of Trust, Mortgage · Line of Credit CAPE COD BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	Nov 30, 2016 · Amount on Record
Prior Transfer Date	Sep 28, 2022
Prior Transfer Doc	0001468142
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	508 COTUIT BAY DR, COTUIT, MA 02635-2914
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001435124
Date	Jul 26, 2021
Instrument	1435124

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	508 COTUIT BAY DR, COTUIT, MA 02635-2914
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001482115
Date	Jun 6, 2023
Instrument	1482115

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	541 Months
Due	Jul 1, 2068

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	508 COTUIT BAY DR, COTUIT, MA 02635-2914
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001438710
Date	Sep 7, 2021
Instrument	1438710

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	541 Months
Due	Oct 1, 2066

Interest

Rate Type	Adjustable Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	508 COTUIT BAY DR, COTUIT, MA 02635-2914
Document Number	0001353594
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Sep 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 COTUIT BAY DR COTUIT MA 026352914, COTUIT, MA 02635-2914

Mortgage

Document Number	0001353594
Date	Aug 31, 2018
Instrument	1353594

Lender

Name	CAPE COD BK&TR
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2048

Interest

Rate Type	Adjustable Rate

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	$9,583.00 (+19.94%)	$1,147,700 (+13.2%) Land $286,600 Building $861,100	$1,319,740
2024	$7,990.00	$1,013,900 Land $286,600 Building $727,300

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
Flood Insurance Cost	Premium on Record median of 11 policies
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 Event	Hurricane Bob, Aug 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	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	COTUIT FIRE DISTRICT WATER DEPARTMENT serves 4,938 people · EPA ID MA4020003
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	3 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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