The allure of waterfront living on Cape Cod is undeniable. The breathtaking views, the soothing sounds of the waves, and the unparalleled access to water activities make these properties highly sought after. But buying a waterfront home on the Cape comes with unique considerations. Let's dive into what you need to know.

Types of Waterfront Properties: A Coastal Spectrum

Cape Cod offers a diverse range of waterfront properties:

• Oceanfront: These properties offer direct access to the Atlantic Ocean or Nantucket Sound, with stunning views and the sound of crashing waves.

• Bayside: Properties along Cape Cod Bay provide calmer waters and dramatic tides, perfect for swimming, kayaking, and paddleboarding.

• Pond-front: Freshwater ponds offer a serene and peaceful setting, ideal for those seeking tranquility and privacy.

• Riverfront: We call this the Working Man’s Waterfront because it has all of the benefits of other waterfront options, but it’s typically better protected from the elements and more affordable.

Flood Zones and Insurance: Protecting Your Investment

Flood zones are a critical consideration for waterfront properties on Cape Cod. FEMA flood maps delineate areas at risk of flooding, and flood insurance is often required for properties within these zones. Understanding your property's flood zone and the associated insurance costs is essential. I can help you understand these maps, and make referrals to insurance specialists that can help you understand the costs associated with flood insurance.

Permits and Regulations: Navigating Coastal Considerations

Coastal regulations, conservation restrictions, and building permits are essential aspects of waterfront property ownership. Cape Cod has strict regulations in place to protect its fragile coastal environment. Conservation restrictions may limit development or alterations to your property. Obtaining the necessary permits for renovations or new construction can be a complex process. It is important to work with professionals that are familiar with the local regulations.

Maintenance Considerations: Preserving Your Coastal Home

Waterfront properties require specialized maintenance to withstand the harsh coastal environment. Saltwater, wind, and erosion can take a toll on your home. Regular maintenance, such as painting, sealing, and inspecting for damage, is essential. Protecting against erosion, maintaining seawalls, and addressing saltwater damage are ongoing considerations. It is important to factor these potential costs into your budget.

Working with Specialists: Expertise Matters

When buying a waterfront property, working with specialists is crucial. A real estate agent with experience in waterfront properties can guide you through the complexities of the market, including flood zones, permits, and regulations. Similarly, a home inspector specializing in waterfront properties can identify potential issues that may not be apparent to a general inspector. I have a network of professionals that specialize in these areas, and I would be happy to make those introductions.

Thorough Due Diligence: Your Key to Success

Buying a waterfront property on Cape Cod is a significant investment. Thorough due diligence is essential to ensure you're making an informed decision. Researching flood zones, understanding regulations, and assessing maintenance considerations are all crucial steps. As your local real estate expert, I'm here to guide you through this process and help you find the perfect waterfront home. Don't hesitate to reach out – let's make your Cape Cod waterfront dream a reality.

Katie Clancy, Sales Vice President at William Raveis Real Estate, is the agent leader of The Cape House team, a top 1%  real estate team on Cape Cod, MA