520 Cotuit Bay Dr, Cotuit, MA 02635 Property Records

Barnstable County and Barnstable Town City property record for 520 Cotuit Bay Dr, Cotuit, MA 02635

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,044 sqft · built 1981
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (May 2017)
Tax Bill	$7,131 (2025)
Deeds & Mortgages	Jan 2021 Refinance May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`COTU M:055 L:038`

Property Details

APN / Parcel Number

Primary APN	`COTU M:055 L:038`
Alternative APN	`31584`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,044 sqft Living Area
Gross Area	5,482 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,928 sqft (0.71 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	31584
Street Address	520 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	38
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	Individual Name on Record
Mailing Address	520 COTUIT BAY DR, COTUIT, MA 02635-2914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EQUITY RESOURCES INC
May 25, 2017	Quit Claim Deed, Transfer · Conventional Mortgage GMH MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2017 · Amount on Record
Deed Sale	May 25, 2017 · Amount on Record
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COTUIT MA
Property Address	520 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	0001417093
Date	Jan 12, 2021
Instrument	1417093

Lender

Name	EQUITY RESOURCES INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2050

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	May 25, 2017
Property Address	520 COTUIT BAY DR, COTUIT, MA 02635-2914
Document Number	0001321994
Instrument Date	May 1, 2017
Instrument	1321994
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,707.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 FORT PATH RD MADISON CT 064432246, MADISON, CT 06443-2246

Mortgage

Document Number	1321995
Date	May 25, 2017
Instrument	1321995

Lender

Name	GMH MTG SVCS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2047

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	$7,131.00 (+6.58%)	$854,000 (+0.58%) Land $289,700 Building $564,300	$837,995
2024	$6,691.00 (+2.89%)	$849,100 (+9.29%) Land $289,700 Building $559,400
2023	$6,503.00	$776,900 Land $286,600 Building $490,300

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 93% of the US · lower than 83% 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	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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