812 Main St, Chatham, MA 02633 Property Records

Barnstable County and Chatham Town property record for 812 Main St, Chatham, MA 02633

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Oct 1997)
Tax Bill	$5,320 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`CHAT M:13E B:0058 L:7`

Property Details

APN / Parcel Number

Primary APN	`CHAT M:13E B:0058 L:7`
Alternative APN	`1724`

Exterior

Lot Area	10,890 sqft (0.25 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	1724
Street Address	812 MAIN ST
City	CHATHAM
State	MA
Zip	02633-1822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GB2
Legal Block	58
Legal Lot Number	7
Jurisdiction	CHATHAM MA
Township / Civil Division	CHATHAM
Census Block Group	4
Census Block	4021
Census Tract	10600

Owner

812 Main St is owned and occupied by two individuals who bought it in October 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	812 MAIN ST, CHATHAM, MA 02633-1822
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 1997 · Amount on File
Deed Sale	Oct 10, 1997 · Amount on File
Deed Book / Page	10999 / 263
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Recording Date	Apr 1, 2026
Property Address	812 MAIN ST, CHATHAM, MA 02633-1822
Document Number	0037542-93
Book / Page	37542 / 93
Instrument Date	Mar 27, 2026
Instrument	202612239
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 MAIN ST, CHATHAM, MA 02633-1822

Mortgage

Document Number	0000012239,
Date	Apr 1, 2026
Book Page	37542/93
Instrument	202612239

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 812 Main St was $5,320, up 24% from the year before.

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	$5,320.00 (+23.98%)	$1,533,200 (+27.54%) Land $636,200 Building $897,000	$1,352,135
2024	$4,291.00 (+5.51%)	$1,202,100 (+14.69%) Land $600,200 Building $601,900
2023	$4,067.00	$1,048,100 Land $500,100 Building $548,000

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

Flood

FEMA maps place 812 Main St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1978.

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 File median of 32 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	17 (1978–2023)
Claims Outside the SFHA	7 of 17
Most Recent Claim	Jan 2023 · rainfall accumulation
Claims by Event	Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 2 claims Coastal Storm, Oct 1991 · 5 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

The area around 812 Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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 268 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20