945 Main St, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 945 Main St, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,537 sqft · built 1900
Lot Size	0.47 acres (20,473 sqft)
Owner	Trust Name on File
Last Sale	$1,825,000 (Jul 2019)
Tax Bill	$18,215 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jul 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:117 L:046`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:117 L:046`
Alternative APN	`57538`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,537 sqft Living Area
Gross Area	5,204 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	57538
Street Address	945 MAIN ST
City	OSTERVILLE
State	MA
Zip	02655-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC;BA
Legal Lot Number	46
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	1
Census Block	1009
Census Tract	13002

Owner

945 Main St is owner-occupied and held in a trust since July 2019.

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

Owner of Record	Trust Name on File
Mailing Address	945 MAIN ST, OSTERVILLE, MA 02655-2031
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.

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 28, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2019 · Amount on File
Deed Sale	Jul 26, 2019 · Amount on File
Prior Sale	Mar 28, 2018 · Amount on File
Deed Document Number	201935217
Deed Book / Page	32181 / 155
Prior Transfer Date	Jul 24, 2019
Prior Transfer Doc	32181-155
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	945 MAIN ST, OSTERVILLE, MA 02655-2031
Transaction Type	Mortgage
Record Updated	Mar 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035145-26
Date	May 25, 2022
Book Page	35145/26
Instrument	27225

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Jul 26, 2019
Property Address	945 MAIN ST, OSTERVILLE, MA 02655-2031
Document Number	32181-155
Book / Page	032181 / 000155
Instrument Date	Jul 24, 2019
Instrument	35217
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$10,402.50
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	24 N RUSSELL ST MILTON MA 021863403, MILTON, MA 02186-3403

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Mar 28, 2018
Property Address	945 MAIN ST, OSTERVILLE, MA 02655-2031
Document Number	31165-216
Book / Page	031165 / 000216
Instrument Date	Mar 5, 2018
Instrument	14094
Transaction Type	Transfer
Record Updated	Apr 17, 2018

Transaction

Amount	Amount on Record
Tax	$3,676.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	PO BOX 95 CENTERVILLE MA 026320095, CENTERVILLE, MA 02632-0095

Tax Assessment & Valuation

The 2025 property tax bill for 945 Main St was $18,215, up 25.3% 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	$18,215.00 (+25.34%)	$2,251,500 (+21%) Land $859,000 Building $1,392,500	$2,430,575
2024	$14,532.00 (+12.12%)	$1,860,700 (+19.73%) Land $859,000 Building $1,001,700
2023	$12,961.00	$1,554,100 Land $709,900 Building $844,200

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

Flood

FEMA maps place 945 Main St 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 96 policies
Nearby Flood Policies	96 in force
Nearby Flood Claims	18 (1991–2018)
Claims Outside the SFHA	5 of 18
Most Recent Claim	Mar 2018 · rainfall accumulation
Claims by Event	Hurricane Bob, Aug 1991 · 6 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

Wildfire risk around 945 Main St 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 99.1% of the US · lower than 98.7% 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 237 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
AT&T Fixed Wireless	100 / 20

945 Main St, Osterville, MA 02655 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Main St

Nearby Streets

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