Barnstable County and Barnstable Town City property record for 89 Concord Ln, Osterville, MA 02655
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,516 sqft · built 1981 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $341,700 (Nov 2017) |
| Tax Bill | $4,871 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance Sep 2022 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | OSTE M:122 L:114 |
| Primary APN | OSTE M:122 L:114 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,516 sqft Living Area |
| Gross Area | 3,428 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 28,314 sqft (0.65 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 66154 |
|---|---|
| Street Address | 89 CONCORD LN |
| City | OSTERVILLE |
| State | MA |
| Zip | 02655-1258 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Lot Number | 114 |
| Jurisdiction | BARNSTABLE MA |
| Township / Civil Division | BARNSTABLE TOWN |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 12900 |
89 Concord Ln is owner-occupied and held in a trust since August 2022.
Source: Barnstable County and Barnstable Town City records, as of April 14, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 89 CONCORD LN, OSTERVILLE, MA 02655-1258 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Sep 12, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Oct 30, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Aug 31, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Jun 26, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 29, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Nov 20, 2017 | Quit Claim Deed, Transfer JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2017 · Amount on File |
| Deed Sale | Nov 20, 2017 · Amount on File |
| Prior Sale | Jun 30, 2004 · Amount on File |
| Deed Book / Page | 30911 / 66 |
| Last Transfer Date | Aug 31, 2022 |
| Transfer Doc | 0000043733 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 89 CONCORD LN, OSTERVILLE, MA 02655-1258 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0033890-23 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 33890/23 |
| Instrument | 17518 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 89 CONCORD LN, OSTERVILLE, MA 02655-1258 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 035356-280 |
|---|---|
| Date | Sep 12, 2022 |
| Book Page | 35356/280 |
| Instrument | 45139 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARSTONS MILLS MA |
| Property Address | 89 CONCORD LN, OSTERVILLE, MA 02655-1258 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 037273-294 |
|---|---|
| Date | Oct 30, 2025 |
| Book Page | 37273/294 |
| Instrument | 44689 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Aug 31, 2022 |
| Property Address | 89 CONCORD LN, OSTERVILLE, MA 02655-1258 |
| Document Number | 035340-232 |
| Book / Page | 35340 / 232 |
| Instrument Date | Aug 31, 2022 |
| Instrument | 43733 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 CONCORD LN, OSTERVILLE, MA 02655-1258 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 89 CONCORD LN, OSTERVILLE, MA 02655-1258 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31363-225 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 31363/225 |
| Instrument | 30782 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Property Address | 89 CONCORD LN, OSTERVILLE, MA 02655-1258 |
| Document Number | 32983-165 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 89 CONCORD LN OSTERVILLE MA 026551258, OSTERVILLE, MA 02655-1258 |
| Document Number | 32983-165 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 032983/000165 |
| Instrument | 28361 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 14, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BARNSTABLE MA |
| Recording Date | Nov 20, 2017 |
| Property Address | 89 CONCORD LN, OSTERVILLE, MA 02655-1258 |
| Document Number | 30911-66 |
| Book / Page | 30911 / 66 |
| Instrument | 59420 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $30.64 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 CONCORD LN, OSTERVILLE, MA 02655-1258 |
| Document Number | 309110068 |
|---|---|
| Date | Nov 20, 2017 |
| Instrument | 30911/0068 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 20, 2047 |
The 2025 property tax bill for 89 Concord Ln was $4,871, up 12.2% from the year before.
Source: Barnstable County and Barnstable Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| Municipality | Barnstable Town City |
| Unified School District | Barnstable School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,871.00 (+12.16%) | $602,100 (+8.27%) Land $167,600 Building $434,500 |
| 2024 | $4,343.00 (+6.03%) | $556,100 (+13.24%) Land $167,600 Building $388,500 |
| 2023 | $4,096.00 | $491,100 Land $152,400 Building $338,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 89 Concord Ln in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 3 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 risk around 89 Concord Ln 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 92 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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