Barnstable County and Barnstable Town City property record for 685 Santuit Rd, Cotuit, MA 02635
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,020 sqft · built 1960 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $552,500 (Feb 2023) |
| Tax Bill | $4,184 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | COTU M:006 L:025 |
| Primary APN | COTU M:006 L:025 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,020 sqft Living Area |
| Gross Area | 2,278 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,670 sqft (0.75 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1152 |
|---|---|
| Street Address | 685 SANTUIT RD |
| City | COTUIT |
| State | MA |
| Zip | 02635-3437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Lot Number | 25 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 1 |
| Census Block | 1058 |
| Census Tract | 13200 |
Source: Barnstable County and Barnstable Town City records · APN COTU M:006 L:025
Assessment roll updated May 27, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 685 SANTUIT RD, COTUIT, MA 02635-3437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 13, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PROVINCE MORTGAGE ASSOCIATES INC |
| Oct 03, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK |
| Feb 15, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 15, 2023 · Amount on Record |
| Deed Sale | Feb 15, 2023 · Amount on Record |
| Prior Sale | Jul 22, 2002 · Amount on Record |
| Deed Book / Page | 35640 / 77 |
| Transfer Doc | 2380000164 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COTUIT MA |
| Property Address | 685 SANTUIT RD, COTUIT, MA 02635-3437 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 037299-300 |
|---|---|
| Date | Nov 13, 2025 |
| Book Page | 37299/300 |
| Instrument | 47015 |
| Name | PROVINCE MORTGAGE ASSOCIATES INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COTUIT MA |
| Property Address | 685 SANTUIT RD, COTUIT, MA 02635-3437 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 035402-126 |
|---|---|
| Date | Oct 03, 2022 |
| Book Page | 35402/126 |
| Instrument | 49023 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COTUIT MA |
| Recording Date | Feb 15, 2023 |
| Property Address | 685 SANTUIT RD, COTUIT, MA 02635-3437 |
| Document Number | 0035640-77 |
| Book / Page | 35640 / 77 |
| Instrument Date | Feb 15, 2023 |
| Instrument | 6447 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 685 SANTUIT RD, COTUIT, MA 02635-3437 |
| Document Number | 0000006448 |
|---|---|
| Date | Feb 15, 2023 |
| Instrument | 6448 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Barnstable County and Barnstable Town City records · Assessment roll updated May 27, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| Municipality | Barnstable Town City |
| Unified School District | Barnstable School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,184.00 (+6.38%) | $501,100 (+0.4%) Land $241,200 Building $259,900 | $705,755 |
| 2024 | $3,933.00 (+6.3%) | $499,100 (+12.92%) Land $241,200 Building $257,900 | |
| 2023 | $3,700.00 | $442,000 Land $219,200 Building $222,800 |
Source: FEMA National Flood Hazard Layer as of October 1, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 32 policies |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 9 (1990–2023) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
May also be available: T-Mobile USA.
Based on FCC filings for 113 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COTUIT FIRE DISTRICT WATER DEPARTMENT serves 4,938 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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