79 Prospect Ave, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 79 Prospect Ave, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,993 sqft · built 2016
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Trust Names on File
Last Sale	$775,000 (Oct 2016)
Tax Bill	$7,437 (2025)
Deeds & Mortgages	May 2021 Refinance Feb 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0007 B:0113 L:000`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0007 B:0113 L:000`
Alternative APN	`803`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,993 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	803
Street Address	79 PROSPECT AVE
City	OAK BLUFFS
State	MA
Zip	02557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	113
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	4
Census Block	4005
Census Tract	200200

Owner

79 Prospect Ave is held in a trust since February 2024.

Source: Dukes County and Oak Bluffs Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 34, OAK BLUFFS, MA 02557-0034
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Feb 8, 2024	Quit Claim Deed, Transfer Quitclaim
May 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2016 · Amount on File
Deed Sale	Oct 20, 2016 · Amount on File
Prior Sale	Jan 22, 2016 · Amount on File
Deed Book / Page	1418 / 384
Last Transfer Date	Feb 8, 2024
Transfer Doc	001674-455
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	79 PROSPECT AVE, OAK BLUFFS, MA 02557
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001577-99
Date	May 4, 2021
Book Page	1577/99
Instrument	3627

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Feb 8, 2024
Property Address	79 PROSPECT AVE, OAK BLUFFS, MA 02557
Document Number	001674-455
Book / Page	1674 / 455
Instrument Date	Feb 8, 2024
Instrument	690
Transaction Type	Transfer
Record Updated	Mar 1, 2024

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	PO BOX 34, OAK BLUFFS, MA 02557-0034

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	79 PROSPECT AVE, OAK BLUFFS, MA 02557
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1577-99
Date	May 4, 2021
Book Page	1577/99
Instrument	3627

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 79 Prospect Ave was $7,437, down 0.3% from the year before.

Source: Dukes County and Oak Bluffs Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Oak Bluffs Town
Elementary School District	Oak Bluffs School District (PK - 08)
Secondary School District	Martha's Vineyard School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,437.00 (-0.32%)	$1,472,600 (+3.22%) Land $531,200 Building $941,400	$1,726,257
2024	$7,461.00 (+0.57%)	$1,426,600 (+1.53%) Land $482,700 Building $943,900
2023	$7,419.00	$1,405,100 Land $511,600 Building $893,500

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

Flood

FEMA maps place 79 Prospect Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 7, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (1992)
Most Recent Claim	Dec 1992 · Winter Coastal Storm

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 79 Prospect Ave 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 99.1% of the US · lower than 98.7% 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	OAK BLUFFS WATER DISTRICT serves 24,000 people · EPA ID MA4221000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 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	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. 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 333 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: Verizon.

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