10 Stepenshell Rd, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 10 Stepenshell Rd, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,344 sqft · built 1955
Lot Size	0.175 acres (7,630 sqft)
Owner	Individual Name on Record
Last Sale	$92,500 (Aug 1991)
Tax Bill	$2,548 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Apr 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:50 P:Y2-5`

Property Details

APN / Parcel Number

Primary APN	`HARW M:50 P:Y2-5`
Alternative APNs	`M:00050 B:Y002 L:005` `9319`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	2,432 sqft
1st Floor Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,630 sqft (0.175 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9319
Street Address	10 STEPENSHELL RD
City	HARWICH
State	MA
Zip	02645-3017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	4
Census Block	4008
Census Tract	11100

Owner

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	10 STEPENSHELL RD, HARWICH, MA 02645-3017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2025	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SAVINGS BANK
Apr 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Dec 11, 2018	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SVGS BK
Jan 3, 2017	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 1991 · Amount on Record
Deed Sale	Aug 16, 1991 · Amount on Record
Deed Book / Page	7651 / 197
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	10 STEPENSHELL RD, HARWICH, MA 02645-3017
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037112-75
Date	Aug 4, 2025
Book Page	37112/75
Instrument	31009

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	10 STEPENSHELL RD, HARWICH, MA 02645-3017
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34001-14
Date	Apr 12, 2021
Book Page	34001/14
Instrument	24894

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	10 STEPENSHELL RD, HARWICH, MA 02645-3017
Document Number	31730-313
Instrument Date	Dec 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 STEPENSHELL RD HARWICH MA 026453017, HARWICH, MA 02645-3017

Mortgage

Document Number	31730-313
Date	Dec 17, 2018
Book Page	031730/000313
Instrument	62501

Lender

Name	CAPE COD FIVE CENTS SVGS BK
Type	Federal Savings Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2048

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	10 STEPENSHELL RD, HARWICH, MA 02645-3017
Document Number	30219-307
Book / Page	030219 / 000307
Instrument Date	Jan 3, 2017
Transaction Type	Mortgage
Record Updated	Jan 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30219-307
Date	Jan 9, 2017
Book Page	030219/000307
Instrument	1216

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 8, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,548.00 (-1.47%)	$431,200 (+0.56%) Land $153,500 Building $277,700	$502,645
2024	$2,586.00 (+3.15%)	$428,800 (+13.59%) Land $163,000 Building $265,800
2023	$2,507.00	$377,500 Land $148,200 Building $229,300

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (1991–2018)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2018 · river or lake flooding

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 98% of the US · lower than 96% 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	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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stepenshell Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures