85 Worcester Ave, Oak Bluffs, MA 02557 Property Records

Dukes County and Oak Bluffs Town property record for 85 Worcester Ave, Oak Bluffs, MA 02557

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,862 sqft · built 1971
Lot Size	0.235 acres (10,246 sqft)
Owner	Individual Name on File
Tax Bill	$5,319 (2025)
Deeds & Mortgages	Jan 2024 Refinance Mar 2023 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`OAKB M:0013 B:0042 L:000`

Property Details

APN / Parcel Number

Primary APN	`OAKB M:0013 B:0042 L:000`
Alternative APN	`2334`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,862 sqft Living Area
Gross Area	2,942 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1998
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,246 sqft (0.235 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	2334
Street Address	85 WORCESTER AVE
City	OAK BLUFFS
State	MA
Zip	02557-7330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	42
Jurisdiction	OAK BLUFFS MA
Township / Civil Division	OAK BLUFFS
Census Block Group	5
Census Block	5007
Census Tract	200200

Owner

85 Worcester Ave is owned by an individual who acquired it in May 2021.

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	Individual Name on File
Mailing Address	PO BOX 981, OAK BLUFFS, MA 02557-0981
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BAYCOAST MORTGAGE COMPANY
Mar 29, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
May 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
May 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
May 21, 2021	Deed of Trust, Mortgage · Balloon Mortgage CAPE COD FIVE CENTS SAVINGS BANK
May 21, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 5, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2013
Deed Sale	Jan 18, 2013
Last Transfer Date	May 20, 2021
Transfer Doc	0000090358
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	85 WORCESTER AVE, OAK BLUFFS, MA 02557-7330
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000094357
Date	Jan 4, 2024
Instrument	94357

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	85 WORCESTER AVE, OAK BLUFFS, MA 02557-7330
Transaction Type	Mortgage
Record Updated	Apr 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001651-315
Date	Mar 29, 2023
Book Page	1651/315
Instrument	1494

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	85 WORCESTER AVE, OAK BLUFFS, MA 02557-7330
Transaction Type	Mortgage
Record Updated	Jun 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001625-896
Date	May 18, 2022
Book Page	1625/896
Instrument	3340

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, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	85 WORCESTER AVE, OAK BLUFFS, MA 02557-7330
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1579-631
Date	May 21, 2021
Book Page	1579/631
Instrument	4163

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAK BLUFFS MA
Property Address	85 WORCESTER AVE, OAK BLUFFS, MA 02557-7330
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1579-648
Date	May 21, 2021
Book Page	1579/648
Instrument	4164

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	May 21, 2021
Property Address	85 WORCESTER AVE, OAK BLUFFS, MA 02557-7330
Document Number	90358
Instrument Date	May 20, 2021
Instrument	90358
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	PO BOX 981, OAK BLUFFS, MA 02557-0981

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OAK BLUFFS MA
Recording Date	Aug 5, 2020
Property Address	85 WORCESTER AVE, OAK BLUFFS, MA 02557-7330
Document Number	1537-1089
Book / Page	001537 / 001089
Instrument Date	Jul 31, 2020
Instrument	4501
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 WORCESTER AVE OAK BLUFFS MA 02557, OAK BLUFFS, MA 02557

Tax Assessment & Valuation

The 2025 property tax bill for 85 Worcester Ave was $5,319, down 0.7% 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	$5,319.00 (-0.65%)	$1,053,300 (+2.89%) Land $580,400 Building $472,900	$1,186,947
2024	$5,354.00 (+1.83%)	$1,023,700 (+2.79%) Land $527,400 Building $496,300
2023	$5,258.00	$995,900 Land $469,800 Building $526,100

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

Flood

FEMA maps place 85 Worcester Ave in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force

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 85 Worcester 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 97% of the US · lower than 94% 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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