582 Bay Ln, Centerville, MA 02632 Property Records

Barnstable County and Barnstable Town City property record for 582 Bay Ln, Centerville, MA 02632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,261 sqft · built 1993
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,000 (Jul 1992)
Tax Bill	$10,013 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`CENT M:187 L:071`

Property Details

APN / Parcel Number

Primary APN	`CENT M:187 L:071`
Alternative APN	`108234`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,261 sqft Living Area
Gross Area	8,494 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	108234
Street Address	582 BAY LN
City	CENTERVILLE
State	MA
Zip	02632-3353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	71
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1025
Census Tract	12700

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	2 Individual Names on Record
Mailing Address	582 BAY LN, CENTERVILLE, MA 02632-3353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 1992 · Amount on Record
Deed Sale	Jul 29, 1992 · Amount on Record
Deed Book / Page	8136 / 35
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	582 BAY LN, CENTERVILLE, MA 02632-3353
Document Number	33102-304
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	582 BAY LN CENTERVILLE MA 026323353, CENTERVILLE, MA 02632-3353

Mortgage

Document Number	33102-304
Date	Jul 27, 2020
Book Page	033102/000304
Instrument	36939

Lender

Name	CAPE COD FIVE CENTS SVGS BK
Type	Federal Savings Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2050

Interest

Rate Type	Adjustable Rate

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	$10,013.00 (+7.64%)	$1,237,700 (+3.92%) Land $389,300 Building $848,400	$1,017,925
2024	$9,302.00 (+3.24%)	$1,191,000 (+10.25%) Land $389,300 Building $801,700
2023	$9,010.00	$1,080,300 Land $362,000 Building $718,300

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	9 (1978–2023)
Most Recent Claim	Mar 2023 · rainfall accumulation
Claims by Event	Hurricane Bob, Aug 1991 · 3 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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