647 Millstone Rd, Brewster, MA 02631 Property Records

Barnstable County and Brewster Town property record for 647 Millstone Rd, Brewster, MA 02631

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,976 sqft · built 1973
Lot Size	0.365 acres (15,899 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,900 (Oct 2004)
Tax Bill	$4,551 (2025)
Deeds & Mortgages	Feb 2021 Refinance Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BREW M:98 B:25`

Property Details

APN / Parcel Number

Primary APN	`BREW M:98 B:25`
Alternative APNs	`M:00032 L:00007` `5151`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,976 sqft Living Area
Gross Area	3,559 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1988
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	15,899 sqft (0.365 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5151
Street Address	647 MILLSTONE RD
City	BREWSTER
State	MA
Zip	02631-2625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESD.
Legal Block	25
Jurisdiction	BREWSTER MA
Township / Civil Division	BREWSTER
Census Block Group	1
Census Block	1027
Census Tract	10900

Owner

Source: Barnstable County and Brewster Town 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	647 MILLSTONE RD, BREWSTER, MA 02631-2625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BOSTON FIREFIGHTERS CREDIT UNION
Oct 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BOSTON FIREFIGHTERS CREDIT UNION
Aug 25, 2017	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2004 · Amount on Record
Deed Sale	Oct 28, 2004 · Amount on Record
Deed Document Number	200415592
Deed Book / Page	19185 / 218
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREWSTER MA
Property Address	647 MILLSTONE RD, BREWSTER, MA 02631-2625
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33746-51
Date	Feb 1, 2021
Book Page	33746/51
Instrument	7374

Lender

Name	BOSTON FIREFIGHTERS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREWSTER MA
Property Address	647 MILLSTONE RD, BREWSTER, MA 02631-2625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32408-99
Date	Oct 25, 2019
Book Page	32408/99
Instrument	52760

Lender

Name	BOSTON FIREFIGHTERS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Nov 1, 2024

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREWSTER MA
Property Address	647 MILLSTONE RD, BREWSTER, MA 02631-2625
Document Number	30732-216
Book / Page	030732 / 000216
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	30732-216
Date	Aug 30, 2017
Book Page	030732/000216
Instrument	44018

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 29, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Brewster Town
Elementary School District	Brewster School District (PK - 05)
Secondary School District	Nauset School District (06 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,551.00 (+6.01%)	$661,500 (+4.93%) Land $192,900 Building $468,600	$742,140
2024	$4,293.00 (+12.56%)	$630,400 (+15.52%) Land $182,000 Building $448,400
2023	$3,814.00	$545,700 Land $144,400 Building $401,300

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 units insured incl. 6 condo units

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 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	BREWSTER WATER DEPARTMENT serves 35,000 people · EPA ID MA4041000
Water Source	Groundwater
Last State Inspection	May 2026
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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 104 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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