531 Bumps River Rd, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 531 Bumps River Rd, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,736 sqft · built 1985
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Jun 2022)
Tax Bill	$5,280 (2025)
Deeds & Mortgages	Mar 2024 Refinance Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:144 L:041`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:144 L:041`
Alternative APN	`80361`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
Gross Area	4,958 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	80361
Street Address	531 BUMPS RIVER RD
City	OSTERVILLE
State	MA
Zip	02655-1301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	41
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	3
Census Block	3005
Census Tract	13002

Owner

531 Bumps River Rd is owned and occupied by two individuals who bought it in June 2022.

Source: Barnstable County and Barnstable Town City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	531 BUMPS RIVER RD, OSTERVILLE, MA 02655-1301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 1, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jun 1, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LUXURY MORTGAGE CORP
Oct 18, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 4, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2022 · Amount on File
Deed Sale	Jun 1, 2022 · Amount on File
Deed Document Number	202228295
Deed Book / Page	35160 / 1
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	531 BUMPS RIVER RD, OSTERVILLE, MA 02655-1301
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036244-89
Date	Mar 1, 2024
Book Page	36244/89
Instrument	7749

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Jun 1, 2022
Property Address	531 BUMPS RIVER RD, OSTERVILLE, MA 02655-1301
Document Number	00035160-1
Book / Page	35160 / 1
Instrument Date	Jun 1, 2022
Instrument	28295
Transaction Type	Transfer
Record Updated	Jun 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	531 BUMPS RIVER RD, OSTERVILLE, MA 02655-1301

Mortgage

Document Number	0000028296
Date	Jun 1, 2022
Instrument	28296

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	531 BUMPS RIVER RD, OSTERVILLE, MA 02655-1301
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32386-131
Date	Oct 18, 2019
Book Page	32386/131
Instrument	51086

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	531 BUMPS RIVER RD, OSTERVILLE, MA 02655-1301
Document Number	30757-200
Book / Page	030757 / 000200
Instrument Date	Aug 4, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30757-200
Date	Sep 12, 2017
Book Page	030757/000200
Instrument	46171

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 531 Bumps River Rd was $5,280, up 25.6% from the year before.

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	$5,280.00 (+25.59%)	$652,700 (+21.25%) Land $162,100 Building $490,600	$885,020
2024	$4,204.00 (+6.94%)	$538,300 (+14.19%) Land $162,100 Building $376,200
2023	$3,931.00	$471,400 Land $147,300 Building $324,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 531 Bumps River Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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

Wildfire risk around 531 Bumps River Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	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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