99 Main St, Chatham, MA 02633 Property Records

Barnstable County and Chatham Town property record for 99 Main St, Chatham, MA 02633

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 4.5 ba · 1,914 sqft · built 1850
Lot Size	0.579 acres (25,214 sqft)
Owner	Individual Name on File
Last Sale	$3,600,000 (Mar 2021)
Tax Bill	$13,103 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CHAT M:16B B:0077 L:62`

Property Details

APN / Parcel Number

Primary APN	`CHAT M:16B B:0077 L:62`
Alternative APN	`3695`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,914 sqft Living Area
Gross Area	2,660 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 2004
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,214 sqft (0.579 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3695
Street Address	99 MAIN ST
City	CHATHAM
State	MA
Zip	02633-2419
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	R20
Legal Block	77
Legal Lot Number	62
Jurisdiction	CHATHAM MA
Township / Civil Division	CHATHAM
Census Block Group	2
Census Block	2055
Census Tract	10700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Old Village Historic District listed 2001 · 220 contributing resources · NRIS 01001406

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

99 Main St, a residential property, is owned by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	31 PARK CIR, HINGHAM, MA 02043-1254
Owner Type	Individual

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
Mar 18, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FLAGSTAR BANK FSB
Nov 21, 2017	Deed of Trust, Mortgage · ARM BOSTON PRIVATE BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2021 · Amount on File
Deed Sale	Mar 18, 2021 · Amount on File
Prior Sale	Dec 30, 2014 · Amount on File
Deed Document Number	202118795
Deed Book / Page	33908 / 329
Record Updated	Oct 29, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHATHAM MA
Recording Date	Mar 18, 2021
Property Address	99 MAIN ST, CHATHAM, MA 02633-2419
Document Number	033908-329
Book / Page	33908 / 329
Instrument Date	Mar 18, 2021
Instrument	18795
Transaction Type	Transfer
Record Updated	Jan 16, 2023

Transaction

Amount	Amount on Record
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
Address	31 PARK CIR, HINGHAM, MA 02043-1254

Mortgage

Document Number	0000018796
Date	Mar 18, 2021
Instrument	18796

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHATHAM MA
Property Address	99 MAIN ST, CHATHAM, MA 02633-2419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30916-163
Date	Nov 21, 2017
Book Page	30916/163
Instrument	59837

Lender

Name	BOSTON PRIVATE BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 99 Main St was $13,103, up 2.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Chatham Town
Unified School District	Monomoy Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,103.00 (+2.91%)	$3,776,000 (+5.88%) Land $2,630,500 Building $1,145,500	$4,798,450
2024	$12,732.00 (+8.29%)	$3,566,400 (+17.7%) Land $2,481,600 Building $1,084,800
2023	$11,757.00	$3,030,200 Land $2,067,900 Building $962,300

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

Flood

FEMA maps place 99 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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 155 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	169 units insured incl. 14 condo units
Nearby Flood Claims	76 (1988–2023)
Claims Outside the SFHA	26 of 76
Most Recent Claim	Dec 2023 · tidal / storm surge
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 4 claims Blizzards, High Winds & Record Snowfall, Mar 1993 · 4 claims Coastal Storm, Oct 1991 · 34 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 99 Main St 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	CHATHAM WATER DEPARTMENT serves 30,000 people · EPA ID MA4055000
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	1 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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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