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How to Buy a Waterfront Property in Massachusetts

Your Guide to Navigating Coastal Real Estate in Cape Cod, Nantucket, and Martha's Vineyard.
Brian Dougherty  |  August 11, 2025
 

Massachusetts Waterfront Properties

Your Guide to Coastal Living in Cape Cod, Nantucket & Martha's Vineyard

 

Purchasing waterfront property in Massachusetts—particularly in cherished coastal enclaves like Cape Cod, Nantucket, and Martha's Vineyard—is a dream shared by many. Whether you're looking for a seasonal retreat, a full-time residence, or a sound investment, this guide will walk you through everything you need to know about how to buy beachfront property in these scenic destinations.

Key Considerations for Waterfront Living

Coastal Regulations
 

Regulations & Challenges

Waterfront zones are often protected by strict conservation laws and environmental regulations. Limited inventory and seasonal fluctuations add complexity to your search. Learn about the differences between buying a second home vs investment property in coastal areas.

Budget Planning
 

Budget & Costs

Beyond the purchase price, budget for flood insurance, maintenance costs, higher property taxes, and potential HOA fees. Our guide on top factors that influence home resell value can help you make a smart investment.

Environmental Risks
 

Environmental Factors

Coastal erosion, flood zones, and storm impact history are critical considerations. Ensure your due diligence includes proper inspections and understanding of cost-effective ways to make your house more energy efficient in coastal environments.

Massachusetts Coastal Regions

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Cape Cod

Offers family-friendly towns like Falmouth and Harwich, artsy enclaves like Provincetown, and fishing villages like Chatham. Accessibility is a perk, especially for buyers driving from Boston or New York.

Nantucket

Known for its cobblestone streets, protected dunes, and high-end appeal. The island is seasonal, accessible by ferry or plane, and known for commanding some of the highest property values in the state.

🏝️

Martha's Vineyard

Comprising six towns, each with a unique personality—from the bustling harbor of Edgartown to the laid-back vibes of Aquinnah. Its cultural scene and upscale-yet-casual lifestyle draw a wide array of buyers.

Property Types & Usage

Primary Residence

Enjoy year-round coastal living as your main home

Vacation Getaway

Create memories with a seasonal retreat for your family

Rental Investment

Generate income through seasonal vacation rentals

Long-Term Investment

Build equity in a appreciating coastal market

Essential Due Diligence

Environmental Assessments

  • Flood zone mapping and insurance requirements
  • Coastal erosion studies
  • Elevation certificates
  • Septic systems inspections
  • Shoreline change history

Regulatory Compliance

  • Zoning restrictions
  • Conservation regulations
  • Building permit history
  • Short-term rental laws
  • Wetland buffer requirements

Expert Guidance Matters

Local Market Knowledge

Access to off-market listings and understanding of local pricing trends

Regulatory Expertise

Navigation of conservation commissions and zoning regulations

Professional Network

Connections to local inspectors, surveyors, and legal counsel

Ready to Find Your Massachusetts Coastal Dream Home?

If you're dreaming of owning waterfront property in Cape Cod, Nantucket, or Martha's Vineyard, the team at Corcoran Property Advisors is here to make your vision a reality.

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