Barnstable County and Harwich Town property record for 10 Bay Rd, Harwich, MA 02645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,128 sqft · built 1972 |
| Lot Size | 0.349 acres (15,188 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $365,000 (Nov 2018) |
| Tax Bill | $3,225 (2025) |
| Deeds & Mortgages | Jul 2020 Refinance Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | HARW M:97 P:X3-2 |
| Primary APN | HARW M:97 P:X3-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,128 sqft Living Area |
| Gross Area | 2,488 sqft |
| 1st Floor Area | 1,128 sqft |
| Basement Area | 1,128 sqft |
| Unfinished Basement | 1,128 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,188 sqft (0.349 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 7261 |
|---|---|
| Street Address | 10 BAY RD |
| City | HARWICH |
| State | MA |
| Zip | 02645-2107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Jurisdiction | HARWICH MA |
| Township / Civil Division | HARWICH |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 11100 |
Source: Barnstable County and Harwich Town 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 | Individual Name on Record |
|---|---|
| Mailing Address | 49 BUTTONWOOD RD, CORTLANDT MANOR, NY 10567-5261 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Nov 9, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage QUAD CTY BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2018 · Amount on Record |
| Deed Sale | Nov 9, 2018 · Amount on Record |
| Prior Sale | Oct 10, 2014 · Amount on Record |
| Deed Book / Page | 31658 / 29 |
| Transfer Doc | 0031658-29 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 10 BAY RD, HARWICH, MA 02645-2107 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 33052-58 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 33052/58 |
| Instrument | 33338 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARWICH MA |
| Recording Date | Nov 9, 2018 |
| Property Address | 10 BAY RD, HARWICH, MA 02645-2107 |
| Document Number | 31658-29 |
| Book / Page | 031658 / 000029 |
| Instrument Date | Nov 6, 2018 |
| Instrument | 56232 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,080.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 49 BUTTONWOOD RD CORTLANDT MANOR NY 105675261, CORTLANDT MANOR, NY 10567-5261 |
| Document Number | 31658-31 |
|---|---|
| Date | Nov 9, 2018 |
| Book Page | 031658/000031 |
| Instrument | 56233 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 8, 2048 |
Source: Barnstable County and Harwich Town assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| County Subdivision | Harwich Town |
| Unified School District | Monomoy Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,225.00 (+7.11%) | $545,700 (+9.27%) Land $205,900 Building $339,800 | $612,655 |
| 2024 | $3,011.00 (+4.37%) | $499,400 (+14.94%) Land $174,800 Building $324,600 | |
| 2023 | $2,885.00 | $434,500 Land $158,900 Building $275,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 7 (1991–2018) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Mar 2018 · Severe Winter Storm And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARWICH WATER DEPARTMENT serves 39,144 people · EPA ID MA4126000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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