7 Tern Ln, Chatham, MA 02633 Property Records

Barnstable County and Chatham Town property record for 7 Tern Ln, Chatham, MA 02633

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,452 sqft · built 1977
Lot Size	0.31 acres (13,485 sqft)
Owner	2 Company Names on Record
Last Sale	$285,000 (Apr 2017)
Tax Bill	$2,816 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CHAT M:07D B:0051 L:M20`

Property Details

APN / Parcel Number

Primary APN	`CHAT M:07D B:0051 L:M20`
Alternative APN	`6298`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
Gross Area	2,737 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,485 sqft (0.31 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6298
Street Address	7 TERN LN
City	CHATHAM
State	MA
Zip	02633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Block	51
Legal Lot Number	M20
Jurisdiction	CHATHAM MA
Township / Civil Division	CHATHAM
Census Block Group	3
Census Block	3006
Census Tract	10700

Owner

Source: Barnstable County and Chatham Town records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 1245, WEST CHATHAM, MA 02669-1245
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit ROCKLAND FCU
Mar 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
May 21, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Apr 14, 2017	Quit Claim Deed, Transfer CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2017 · Amount on Record
Deed Sale	Apr 14, 2017 · Amount on Record
Deed Document Number	20171318915
Last Transfer Date	May 21, 2021
Transfer Doc	0001429313
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Recording Date	Jul 29, 2026
Property Address	7 TERN LN, CHATHAM, MA 02633
Document Number	0001548481
Instrument Date	Jul 21, 2026
Instrument	20261548481
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001548481,
Date	Jul 29, 2026
Instrument	20261548481

Lender

Name	ROCKLAND FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	7 TERN LN, CHATHAM, MA 02633
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001422176
Date	Mar 10, 2021
Instrument	1422176

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHATHAM MA
Recording Date	May 21, 2021
Property Address	7 TERN LN, CHATHAM, MA 02633
Document Number	1429313
Instrument Date	May 21, 2021
Instrument	1429313
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 TERN LN, CHATHAM, MA 02633

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	7 TERN LN, CHATHAM, MA 02633
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1422176
Date	Mar 10, 2021
Instrument	1422176

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHATHAM MA
Recording Date	Apr 14, 2017
Property Address	7 TERN LN, CHATHAM, MA 02633
Document Number	0001318915
Instrument Date	Apr 5, 2017
Instrument	1318915
Transaction Type	Transfer
Record Updated	May 2, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	17 CEDAR FARM RD MEDWAY MA 020532243, MEDWAY, MA 02053-2243

Mortgage

Document Number	1318916
Date	Apr 14, 2017
Instrument	1318916

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Chatham Town
Unified School District	Monomoy Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,816.00 (+3.15%)	$811,500 (+6.12%) Land $387,800 Building $423,700	$869,630
2024	$2,730.00 (+4.64%)	$764,700 (+13.74%) Land $365,800 Building $398,900
2023	$2,609.00	$672,300 Land $304,900 Building $367,400

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 84 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	86 units insured incl. 2 condo units
Nearby Flood Claims	6 (1987–2013)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2013 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	CHATHAM WATER DEPARTMENT serves 30,000 people · EPA ID MA4055000
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 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	None 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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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