9 Gardiner Ln, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 9 Gardiner Ln, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 6,478 sqft · built 1998
Lot Size	2.04 acres (88,862 sqft)
Owner	Company Name on File
Tax Bill	$14,478 (2025)
Deeds & Mortgages	Dec 2022 Refinance Aug 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:141 L:104002`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:141 L:104002`
Alternative APN	`438761`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	6,478 sqft Living Area
Gross Area	11,446 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	88,862 sqft (2.04 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	438761
Street Address	9 GARDINER LN
City	OSTERVILLE
State	MA
Zip	02655-1914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC;RF-
Legal Lot Number	104002
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	2
Census Block	2002
Census Tract	13002

Owner

9 Gardiner Ln is owned by a company that acquired it in August 2017.

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

Owner of Record	Company Name on File
Mailing Address	31 SAINT JAMES AVE, 740, BOSTON, MA 02116-4186
Owner Type	Company
Vesting	Company

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
Dec 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Aug 25, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2017
Deed Sale	Aug 25, 2017
Prior Sale	Mar 31, 2004 · Amount on File
Deed Document Number	201743285
Deed Book / Page	30724 / 85
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	9 GARDINER LN, OSTERVILLE, MA 02655-1914
Transaction Type	Mortgage
Record Updated	Dec 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035547-218
Date	Dec 16, 2022
Book Page	35547/218
Instrument	61941

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2038

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Aug 25, 2017
Property Address	9 GARDINER LN, OSTERVILLE, MA 02655-1914
Document Number	30724-85
Book / Page	030724 / 000085
Instrument Date	Aug 23, 2017
Instrument	43285
Transaction Type	Transfer
Record Updated	Sep 12, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 ATLANTIC AVE BOSTON MA 021103331, BOSTON, MA 02110-3331

Tax Assessment & Valuation

The 2025 property tax bill for 9 Gardiner Ln was $14,478, up 2.3% from the year before.

Source: Barnstable County and Barnstable Town City assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
Municipality	Barnstable Town City
Unified School District	Barnstable School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,478.00 (+2.28%)	$1,789,600 (-1.26%) Land $1,223,400 Building $566,200	$3,841,135
2024	$14,155.00 (-0.74%)	$1,812,400 (+6%) Land $1,223,400 Building $589,000
2023	$14,260.00	$1,709,800 Land $1,120,800 Building $589,000

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

Flood

FEMA maps place 9 Gardiner Ln 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 October 1, 2026 · 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
Flood Insurance Cost	Premium on File median of 44 policies
Nearby Flood Policies	44 in force
Nearby Flood Claims	14 (1990–2026)
Claims Outside the SFHA	9 of 14
Most Recent Claim	Feb 2026 · other causes
Claims by Event	Hurricane Bob, Aug 1991 · 7 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 9 Gardiner Ln 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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