76 Union St, Nantucket, MA 02554 Property Records

Nantucket County and Nantucket Town property record for 76 Union St, Nantucket, MA 02554

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,188 sqft · built 1870
Lot Size	0.082 acres (3,556 sqft)
Owner	2 Trust Names on File
Last Sale	$2,130,000 (Jun 2018)
Tax Bill	$10,284 (2026)
Deeds & Mortgages	May 2022 Transfer Jan 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`10856`

Property Details

APN / Parcel Number

Primary APN	`10856`
Alternative APN	`NANT M:05514 P:00073`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,188 sqft Living Area
Gross Area	3,863 sqft
1st Floor Area	1,094 sqft
Attic	Attic
Attic Area	1,094 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Historical
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,556 sqft (0.082 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	10856
Street Address	76 UNION ST
City	NANTUCKET
State	MA
Zip	02554-3860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ROH
Jurisdiction	NANTUCKET MA
Township / Civil Division	NANTUCKET
Census Block Group	2
Census Block	2041
Census Tract	950100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Nantucket Historic District listed 1966 · National Historic Landmark (designated 1966) · NRIS 66000772

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

76 Union St is held in a trust since May 2022.

Source: Nantucket County and Nantucket Town records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	46 MEADOW RD, RIVERSIDE, CT 06878-2319
Owner Type	Individual
Vesting	Trust

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 16, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 15, 2020	Deed of Trust, Mortgage · ARM MORGAN STANLEY CREDIT CORP
Jun 20, 2018	Quit Claim Deed, Transfer CAMDEN NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2018 · Amount on File
Deed Sale	Jun 20, 2018 · Amount on File
Prior Sale	Jun 16, 2011 · Amount on File
Deed Document Number	20181680
Deed Book / Page	1650 / 155
Last Transfer Date	May 6, 2022
Transfer Doc	001895-158
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NANTUCKET MA
Recording Date	May 16, 2022
Property Address	76 UNION ST, NANTUCKET, MA 02554-3860
Document Number	001895-158
Book / Page	1895 / 158
Instrument Date	May 6, 2022
Instrument	1444
Transaction Type	Transfer
Record Updated	Jun 3, 2022

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	46 MEADOW RD, RIVERSIDE, CT 06878-2319

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NANTUCKET MA
Property Address	76 UNION ST, NANTUCKET, MA 02554-3860
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1730-197
Date	Jan 15, 2020
Book Page	1730/197
Instrument	125

Lender

Name	MORGAN STANLEY CREDIT CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2027

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NANTUCKET MA
Recording Date	Jun 20, 2018
Property Address	76 UNION ST, NANTUCKET, MA 02554-3860
Document Number	1650-155
Book / Page	1650 / 155
Instrument	1680
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47.78
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 UNION ST, NANTUCKET, MA 02554-3860

Mortgage

Document Number	16500161
Date	Jun 20, 2018
Instrument	01650/0161

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2048

Interest

Rate	3.63%
Max Rate At Change	70.1%
Max Rate	2.25%

Tax Assessment & Valuation

The 2026 property tax bill for 76 Union St was $10,284, up 9.5% from the year before.

Source: Nantucket County and Nantucket Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Nantucket County
County Subdivision	Nantucket Town
Unified School District	Nantucket School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,284.00 (+9.53%)	$3,296,000 (+15.14%) Land $1,849,900 Building $1,446,100	$3,370,818
2025	$9,389.00 (+8.26%)	$2,862,500 (+3.3%) Land $1,336,100 Building $1,526,400
2024	$8,673.00 (+20.49%)	$2,771,000 (+23.57%) Land $1,284,700 Building $1,486,300
2023	$7,198.00	$2,242,400 Land $1,125,500 Building $1,116,900

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

Flood

FEMA maps place 76 Union St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 7, 2025 · 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 319 individual policies
Nearby Flood Policies	357 units insured incl. 38 condo units
Nearby Flood Claims	380 (1978–2026)
Claims Outside the SFHA	20 of 380
Most Recent Claim	Feb 2026 · Severe Winter Storm And Snowstorm
Claims by Event	Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 99 claims Winter Coastal Storm, Dec 1992 · 71 claims Coastal Storm, Oct 1991 · 118 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 76 Union St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	WANNACOMET WATER COMPANY serves 27,703 people · EPA ID MA4197000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	67 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 281 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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