578 Bumps River Rd, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 578 Bumps River Rd, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 1972
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$409,000 (Oct 2017)
Tax Bill	$4,852 (2025)
Deeds & Mortgages	Jan 2021 Refinance Jan 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:144 L:027`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:144 L:027`
Alternative APN	`80236`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,580 sqft Living Area
Gross Area	3,900 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	80236
Street Address	578 BUMPS RIVER RD
City	OSTERVILLE
State	MA
Zip	02655-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	27
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	4
Census Block	4000
Census Tract	13002

Owner

578 Bumps River Rd is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	578 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jan 5, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance QUICKEN LOANS INC
Jan 5, 2021	Quit Claim Deed, Transfer Quitclaim
Oct 27, 2017	Quit Claim Deed, Transfer CAPE COD FIVE CENTS SAVINGS BANK
May 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROCKLAND TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2017 · Amount on File
Deed Sale	Oct 27, 2017 · Amount on File
Prior Sale	Jul 10, 2015 · Amount on File
Deed Book / Page	30856 / 67
Transfer Doc	0000054910
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	578 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	033645-142
Date	Jan 5, 2021
Book Page	33645/142
Instrument	600

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Feb 1, 2035

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Jan 5, 2021
Property Address	578 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302
Document Number	033645-139
Book / Page	33645 / 139
Instrument Date	Oct 26, 2020
Instrument	599
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302

Mortgage

Document Number	033645-142
Date	Jan 5, 2021
Book Page	33645/142
Instrument	600

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Feb 1, 2035

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Jan 5, 2021
Property Address	578 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302
Document Number	33645-163
Book / Page	33645 / 163
Instrument Date	Oct 26, 2020
Instrument	602
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Oct 27, 2017
Property Address	578 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302
Document Number	30856-67
Book / Page	30856 / 67
Instrument	54910
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32.73
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302

Mortgage

Document Number	308560069
Date	Oct 27, 2017
Instrument	30856/0069

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	578 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302
Document Number	30519-149
Book / Page	030519 / 000149
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30519-149
Date	May 30, 2017
Book Page	030519/000149
Instrument	26264

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 578 Bumps River Rd was $4,852, up 4.3% 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	$4,852.00 (+4.28%)	$599,800 (+0.67%) Land $153,200 Building $446,600	$716,205
2024	$4,653.00 (+7.36%)	$595,800 (+14.64%) Land $153,200 Building $442,600
2023	$4,334.00	$519,700 Land $139,300 Building $380,400

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

Flood

FEMA maps place 578 Bumps River Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1983 · 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 578 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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