597 Bay Ln, Centerville, MA 02632 Property Records

Barnstable County and Barnstable Town City property record for 597 Bay Ln, Centerville, MA 02632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,471 sqft · built 1984
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on File
Last Sale	$715,000 (Mar 2019)
Tax Bill	$8,757 (2025)
Deeds & Mortgages	Dec 2019 Refinance Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CENT M:187 L:049`

Property Details

APN / Parcel Number

Primary APN	`CENT M:187 L:049`
Alternative APN	`108010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,471 sqft Living Area
Gross Area	4,640 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	28,750 sqft (0.66 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	108010
Street Address	597 BAY LN
City	CENTERVILLE
State	MA
Zip	02632-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Lot Number	49
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1024
Census Tract	12700

Owner

597 Bay Ln is owned by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	152 EVANS ST, OSTERVILLE, MA 02655-1718
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Mar 1, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2019 · Amount on File
Deed Sale	Mar 1, 2019 · Amount on File
Prior Sale	Aug 25, 2010 · Amount on File
Deed Document Number	20199369
Deed Book / Page	31866 / 241
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	597 BAY LN, CENTERVILLE, MA 02632-3315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32554-321
Date	Dec 17, 2019
Book Page	32554/321
Instrument	64423

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Mar 1, 2019
Property Address	597 BAY LN, CENTERVILLE, MA 02632-3315
Document Number	31866-241
Book / Page	31866 / 241
Instrument Date	Mar 1, 2019
Instrument	9369
Transaction Type	Transfer
Record Updated	Feb 6, 2021

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
Address	152 EVANS ST, OSTERVILLE, MA 02655-1718

Mortgage

Document Number	9370
Date	Mar 1, 2019
Instrument	9370

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 597 Bay Ln was $8,757, up 13.3% 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	$8,757.00 (+13.29%)	$1,082,500 (+9.38%) Land $285,800 Building $796,700	$978,785
2024	$7,730.00 (+4.3%)	$989,700 (+11.38%) Land $285,800 Building $703,900
2023	$7,411.00	$888,600 Land $282,700 Building $605,900

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

Flood

FEMA maps place 597 Bay 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 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

Wildfire risk around 597 Bay 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 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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