91 Bumps River Rd, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 91 Bumps River Rd, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,535 sqft · built 1995
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,000,000 (Aug 2022)
Tax Bill	$15,693 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CENT M:120 L:001011`

Property Details

APN / Parcel Number

Primary APN	`CENT M:120 L:001011`
Alternative APN	`429717`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,535 sqft Living Area
Gross Area	7,594 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,579 sqft (1.23 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	429717
Street Address	91 BUMPS RIVER RD
City	OSTERVILLE
State	MA
Zip	02655-1593
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1
Legal Lot Number	1011
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	4
Census Block	4013
Census Tract	13002

Owner

Source: Barnstable County and Barnstable Town City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	58 CEDAR RD, BELMONT, MA 02478-2906
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UBS BANK USA
Sep 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage CAPE COD CO-OP BK
Sep 19, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022 · Amount on Record
Deed Sale	Aug 18, 2022 · Amount on Record
Prior Sale	Sep 19, 2017 · Amount on Record
Record Updated	Sep 20, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CENTERVILLE MA
Recording Date	Aug 18, 2022
Property Address	91 BUMPS RIVER RD, OSTERVILLE, MA 02655-1593
Document Number	0001465638
Instrument Date	Aug 18, 2022
Instrument	1465638
Transaction Type	Transfer
Record Updated	May 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	58 CEDAR RD, BELMONT, MA 02478-2906

Mortgage

Document Number	0001465639
Date	Aug 18, 2022
Instrument	1465639

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Sep 1, 2032
Max Rate At Change	3%
Index	Other
Margin	3

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	91 BUMPS RIVER RD, OSTERVILLE, MA 02655-1593
Document Number	0001378419
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 BUMPS RIVER RD OSTERVILLE MA 026551593, OSTERVILLE, MA 02655-1593

Mortgage

Document Number	0001378419
Date	Sep 11, 2019
Instrument	1378419

Lender

Name	CAPE COD CO-OP BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2049

Interest

Rate Type	Adjustable Rate

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Sep 19, 2017
Property Address	91 BUMPS RIVER RD, OSTERVILLE, MA 02655-1593
Document Number	0000000116
Instrument Date	Sep 15, 2017
Instrument	116
Transaction Type	Transfer
Record Updated	Oct 10, 2017

Transaction

Amount	Amount Recorded
Tax	$5,016.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	91 BUMPS RIVER RD OSTERVILLE MA 026551593, OSTERVILLE, MA 02655-1593

Tax Assessment & Valuation

Source: Barnstable County and Barnstable Town City assessment roll, as of April 14, 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
2025	$15,693.00 (+22.91%)	$1,939,800 (+18.66%) Land $718,500 Building $1,221,300
2024	$12,768.00 (-5.05%)	$1,634,800 (+1.4%) Land $547,800 Building $1,087,000
2023	$13,447.00	$1,612,300 Land $646,100 Building $966,200

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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	2 in force
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1983 · tidal / storm surge

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

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	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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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