98 Sylvan Ln, Osterville, MA 02655 Property Records

Barnstable County and Barnstable Town City property record for 98 Sylvan Ln, Osterville, MA 02655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,360 sqft · built 2023
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Trust Names on Record
Last Sale	$540,000 (May 2019)
Tax Bill	$12,909 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`OSTE M:140 L:115`

Property Details

APN / Parcel Number

Primary APN	`OSTE M:140 L:115`
Alternative APN	`75224`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,360 sqft Living Area
Gross Area	6,000 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	75224
Street Address	98 SYLVAN LN
City	OSTERVILLE
State	MA
Zip	02655-2141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Lot Number	115
Jurisdiction	BARNSTABLE MA
Township / Civil Division	BARNSTABLE TOWN
Census Block Group	2
Census Block	2023
Census Tract	13002

Owner

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

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

Owner of Record	2 Trust Names on Record
Mailing Address	78 NORTH ST, NORTH READING, MA 01864-1440
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEADER BK NA
Mar 13, 2020	Deed of Trust, Mortgage · Conventional with PMI LEADER BK NA
Feb 10, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 24, 2019	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2019 · Amount on Record
Deed Sale	May 24, 2019 · Amount on Record
Prior Sale	Apr 30, 2003 · Amount on Record
Last Transfer Date	Feb 6, 2020
Transfer Doc	0001390057
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	98 SYLVAN LN, OSTERVILLE, MA 02655-2141
Document Number	0001414002
Instrument Date	Dec 7, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	98 SYLVAN LN OSTERVILLE MA 026552141, OSTERVILLE, MA 02655-2141

Mortgage

Document Number	0001414002
Date	Dec 8, 2020
Instrument	1414002

Lender

Name	LEADER BK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BARNSTABLE MA
Property Address	98 SYLVAN LN, OSTERVILLE, MA 02655-2141
Document Number	0001392451
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	98 SYLVAN LN OSTERVILLE MA 026552141, OSTERVILLE, MA 02655-2141

Mortgage

Document Number	0001392451
Date	Mar 13, 2020
Instrument	1392451

Lender

Name	LEADER BK NA
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	Feb 10, 2020
Property Address	98 SYLVAN LN, OSTERVILLE, MA 02655-2141
Document Number	0001390057
Instrument Date	Feb 6, 2020
Instrument	1390057
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	78 NORTH ST NORTH READING MA 018641440, NORTH READING, MA 01864-1440

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BARNSTABLE MA
Recording Date	May 24, 2019
Property Address	98 SYLVAN LN, OSTERVILLE, MA 02655-2141
Document Number	0000000720
Instrument Date	May 24, 2019
Instrument	720
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,078.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	78 NORTH ST NORTH READING MA 018641440, NORTH READING, MA 01864-1440

Mortgage

Document Number	721
Date	May 24, 2019
Instrument	721

Lender

Name	LEADER BK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2049

Tax Assessment & Valuation

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	$12,909.00 (+56.53%)	$1,595,700 (+51.11%) Land $828,400 Building $767,300	$2,090,760
2024	$8,247.00 (+12.19%)	$1,056,000 (+19.81%) Land $828,400 Building $227,600
2023	$7,351.00	$881,400 Land $684,600 Building $196,800

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

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
Flood Insurance Cost	Premium on Record 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

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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