588 Bumps River Rd, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 588 Bumps River Rd, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,947 sqft · built 1978
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Aug 2022)
Tax Bill	$5,249 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:144 L:028`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:144 L:028`
Alternative APN	`80245`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,947 sqft Living Area
Gross Area	4,293 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	80245
Street Address	588 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	28
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	4
Census Block	4000
Census Tract	13002

Owner

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

Source: Barnstable County and Barnstable Town City 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 File
Mailing Address	588 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit CAPE COD COOPERATIVE BANK
Aug 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022 · Amount on File
Deed Sale	Aug 30, 2022 · Amount on File
Prior Sale	Oct 15, 1983 · Amount on File
Deed Book / Page	35337 / 330
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	588 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	036335-204
Date	Apr 29, 2024
Book Page	36335/204
Instrument	16091

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Aug 30, 2022
Property Address	588 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302
Document Number	035337-330
Book / Page	35337 / 330
Instrument Date	Aug 30, 2022
Instrument	43524
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	Joint Tenants
Address	588 BUMPS RIVER RD, OSTERVILLE, MA 02655-1302

Mortgage

Document Number	0000043525
Date	Aug 30, 2022
Instrument	43525

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 588 Bumps River Rd was $5,249, up 9.7% 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	$5,249.00 (+9.72%)	$648,800 (+5.93%) Land $152,200 Building $496,600	$714,590
2024	$4,784.00 (+9.02%)	$612,500 (+16.42%) Land $152,200 Building $460,300
2023	$4,388.00	$526,100 Land $138,400 Building $387,700

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

Flood

FEMA maps place 588 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 588 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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