54 Elm Ave, Bourne (Buzzards Bay), MA 02532 Property Records

Barnstable County and Bourne Town property record for 54 Elm Ave, Bourne, MA 02532

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,848 sqft · built 1917
Lot Size	0.666 acres (29,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$347,000 (Jun 2019)
Tax Bill	$4,336 (2025)
Deeds & Mortgages	Sep 2021 Refinance Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BOUR M:30.4 P:128`

Property Details

APN / Parcel Number

Primary APN	`BOUR M:30.4 P:128`
Alternative APNs	`M:030.4 P:128.00 D:01` `6448`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	2,904 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,011 sqft (0.666 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6448
Street Address	54 ELM AVE
City	BUZZARDS BAY
State	MA
Zip	02532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Jurisdiction	BOURNE MA
Township / Civil Division	BOURNE
Census Block Group	3
Census Block	3047
Census Tract	13900

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 664, MONUMENT BEACH, MA 02553-0664
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
Apr 4, 2019	Deed of Trust, Mortgage · Balloon Mortgage CAPE COD COOPERATIVE BANK
Jun 17, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARVARD UNIVERSITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2019 · Amount on Record
Deed Sale	Jun 17, 2019 · Amount on Record
Prior Sale	Dec 14, 1993 · Amount on Record
Deed Document Number	201927965
Deed Book / Page	32095 / 41
Transfer Doc	25460-264
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Property Address	54 ELM AVE, BOURNE, MA 02532
Transaction Type	Mortgage
Record Updated	Oct 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34489-83
Date	Sep 20, 2021
Book Page	34489/83
Instrument	61560

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Property Address	54 ELM AVE, BOURNE, MA 02532
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31931-249
Date	Apr 4, 2019
Book Page	31931/249
Instrument	14767

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOURNE MA
Recording Date	Jun 17, 2019
Property Address	54 ELM AVE, BOURNE, MA 02532
Document Number	32095-41
Book / Page	32095 / 41
Instrument Date	Jun 17, 2019
Instrument	27965
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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
Address	54 ELM AVE, MONUMENT BEACH, MA

Mortgage

Document Number	27966
Date	Jun 17, 2019
Instrument	27966

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Barnstable County and Bourne Town assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Bourne Town
Unified School District	Bourne School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,336.00 (+2.29%)	$555,200 (+5.03%) Land $240,500 Building $314,700	$582,920
2024	$4,239.00 (+2.86%)	$528,600 (+13%) Land $229,000 Building $299,600
2023	$4,121.00	$467,800 Land $202,700 Building $265,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	4 (1987–2010)
Most Recent Claim	Apr 2010 · rainfall accumulation
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	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	BOURNE WATER DISTRICT serves 22,500 people · EPA ID MA4036000
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	4 ppb (2025) action level 15 ppb
Copper	1.51 mg/L (2017) action level 1.3 mg/L

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 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elm Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures