72 Bay St, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 72 Bay St, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 6,409 sqft · built 2022
Lot Size	1.12 acres (48,787 sqft)
Owner	Company Name on File
Last Sale	$5,000,000 (Sep 2021)
Tax Bill	$64,875 (2025)
Deeds & Mortgages	May 2023 Transfer Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`OSTE M:072 L:029`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:072 L:029`
Alternative APN	`38131`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	6,409 sqft Living Area
Gross Area	15,766 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Wood Shingle
Lot Area	48,787 sqft (1.12 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	38131
Street Address	72 BAY ST
City	OSTERVILLE
State	MA
Zip	02655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	29
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1010
Census Tract	13002

Owner

72 Bay St is owned by a company that acquired it in May 2023.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 81651, WELLESLEY HILLS, MA 02481-0006
Owner Type	Company
Vesting	Company

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
May 18, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 22, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage COOPERATIVE BANK
Jul 20, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2021 · Amount on File
Deed Sale	Sep 22, 2021 · Amount on File
Prior Sale	Jul 20, 2021 · Amount on File
Deed Document Number	20211440009
Last Transfer Date	May 18, 2023
Transfer Doc	0001481107
Record Updated	Sep 20, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	May 18, 2023
Property Address	72 BAY ST, OSTERVILLE, MA 02655
Document Number	0001481107
Instrument Date	May 18, 2023
Instrument	1481107
Transaction Type	Transfer
Record Updated	Jun 2, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 81651, WELLESLEY, MA 02481-0006

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Sep 22, 2021
Property Address	72 BAY ST, OSTERVILLE, MA 02655
Document Number	1440009
Instrument Date	Sep 21, 2021
Instrument	1440009
Transaction Type	Transfer
Record Updated	Oct 8, 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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	776 MAIN ST, HYANNIS, MA 02601-4369

Mortgage

Document Number	1440010
Date	Sep 22, 2021
Instrument	1440010

Lender

Name	COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	Oct 1, 2028
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Jul 20, 2021
Property Address	72 BAY ST, OSTERVILLE, MA 02655
Document Number	1434659
Instrument Date	Jul 20, 2021
Instrument	1434659
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 95, CENTERVILLE, MA 02632-0095

Tax Assessment & Valuation

The 2025 property tax bill for 72 Bay St was $64,875, up 6.7% 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	$64,875.00 (+6.71%)	$8,019,200 (+3.02%) Land $4,985,500 Building $3,033,700	$6,847,790
2024	$60,795.00 (+35.91%)	$7,784,200 (+45.14%) Land $4,985,500 Building $2,798,700
2023	$44,731.00	$5,363,400 Land $4,536,700 Building $826,700

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

Flood

FEMA maps place 72 Bay St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 96 policies
Nearby Flood Policies	96 in force
Nearby Flood Claims	18 (1991–2018)
Claims Outside the SFHA	5 of 18
Most Recent Claim	Mar 2018 · rainfall accumulation
Claims by Event	Hurricane Bob, Aug 1991 · 6 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 72 Bay St 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay St

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