Barnstable County and Harwich Town property record for 101 Headwaters Dr, Harwich, MA 02645
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,486 sqft · built 2002 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,617 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Nov 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | HARW M:81 P:B3-1 |
| Primary APN | HARW M:81 P:B3-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,486 sqft Living Area |
| Gross Area | 4,547 sqft |
| 1st Floor Area | 1,170 sqft |
| Basement Area | 1,014 sqft |
| Unfinished Basement | 1,014 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,818 sqft (0.96 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 22905 |
|---|---|
| Street Address | 101 HEADWATERS DR |
| City | HARWICH |
| State | MA |
| Zip | 02645-1028 |
| 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 | 4012 |
| Census Tract | 11002 |
101 Headwaters Dr is owned and occupied by two individuals.
Source: Barnstable County and Harwich Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 101 HEADWATERS DR, HARWICH, MA 02645-1028 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 29, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS FCU |
| Nov 20, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Jun 19, 2018 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 101 HEADWATERS DR, HARWICH, MA 02645-1028 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 33946-281 |
|---|---|
| Date | Mar 29, 2021 |
| Book Page | 33946/281 |
| Instrument | 21221 |
| Name | FIRST CITIZENS FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 101 HEADWATERS DR, HARWICH, MA 02645-1028 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 33495-291 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 33495/291 |
| Instrument | 65818 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 101 HEADWATERS DR, HARWICH, MA 02645-1028 |
| Document Number | 31374-107 |
| Instrument Date | Jun 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2018 |
| Name | Verified Name |
|---|---|
| Address | 101 HEADWATERS DR HARWICH MA 026451028, HARWICH, MA 02645-1028 |
| Document Number | 31374-107 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 031374/000107 |
| Instrument | 31617 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 101 Headwaters Dr was $5,617, up 3.6% from the year before.
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 | $5,617.00 (+3.58%) | $950,500 (+5.68%) Land $262,200 Building $688,300 | $897,750 |
| 2024 | $5,423.00 (+4.59%) | $899,400 (+15.19%) Land $247,300 Building $652,100 | |
| 2023 | $5,185.00 | $780,800 Land $224,900 Building $555,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 101 Headwaters Dr in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 risk around 101 Headwaters Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 86 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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