54 Lantern Ln, South Chatham, MA 02659 Property Records

Barnstable County and Chatham Town property record for 54 Lantern Ln, South Chatham, MA 02659

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 1,528 sqft · built 1981
Lot Size	0.232 acres (10,108 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,142 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHAT M:05D B:0024 L:D17A`

Property Details

APN / Parcel Number

Primary APN	`CHAT M:05D B:0024 L:D17A`
Alternative APN	`5505`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,528 sqft Living Area
Gross Area	2,580 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,108 sqft (0.232 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	5505
Street Address	54 LANTERN LN
City	SOUTH CHATHAM
State	MA
Zip	02659-1680
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Block	24
Legal Lot Number	D17A
Jurisdiction	CHATHAM MA
Township / Civil Division	CHATHAM
Census Block Group	3
Census Block	3026
Census Tract	10700

Owner

54 Lantern Ln is held in a trust since March 2016.

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

Owner of Record	2 Trust Names on File
Mailing Address	39 EMERSON RD, EAST WALPOLE, MA 02032-1350
Owner Type	Company
Vesting	Trust

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 24, 2021	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Dec 8, 2022	Deed of Trust, Mortgage · ARM DEDHAM INSTITUTION FOR SAVINGS
Jan 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance DEDHAM INSTITUTION FOR SAVINGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2016
Deed Sale	Mar 14, 2016
Prior Sale	Mar 5, 1979 · Amount on File
Deed Book / Page	29510 / 28
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	54 LANTERN LN, SOUTH CHATHAM, MA 02659-1680
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	033932-288
Date	Mar 24, 2021
Book Page	33932/288
Instrument	20292

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	541 Months
Due	Apr 1, 2066

Interest

Rate Type	Adjustable Rate

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	54 LANTERN LN, SOUTH CHATHAM, MA 02659-1680
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035530-145
Date	Dec 8, 2022
Book Page	35530/145
Instrument	60484

Lender

Name	DEDHAM INSTITUTION FOR SAVINGS
Type	Funding / Finance Company

Agreement

Type	ARM
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Jan 1, 2038
Index	1-Year CMT

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	54 LANTERN LN, SOUTH CHATHAM, MA 02659-1680
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035588-259
Date	Jan 11, 2023
Book Page	35588/259
Instrument	1526

Lender

Name	DEDHAM INSTITUTION FOR SAVINGS
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 54 Lantern Ln was $3,142, up 2.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,142.00 (+2.35%)	$905,600 (+5.3%) Land $372,000 Building $533,600	$1,030,750
2024	$3,070.00	$860,000 Land $350,900 Building $509,100

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

Flood

FEMA maps place 54 Lantern Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 84 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	86 units insured incl. 2 condo units
Nearby Flood Claims	6 (1987–2013)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2013 · tidal / storm surge

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 54 Lantern Ln is low, with less than 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 99.1% of the US · lower than 98.7% 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	CHATHAM WATER DEPARTMENT serves 30,000 people · EPA ID MA4055000
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 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	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 259 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
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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