101 Lovers Ln, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 101 Lovers Ln, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,589 sqft · built 1985
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Sep 2021)
Tax Bill	$3,432 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARW M:42 P:A1-3`

Property Details

APN / Parcel Number

Primary APN	`HARW M:42 P:A1-3`
Alternative APNs	`M:00042 B:A001 L:003` `4403`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,589 sqft Living Area
Gross Area	2,937 sqft
1st Floor Area	908 sqft
Basement Area	908 sqft
Unfinished Basement	908 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4403
Street Address	101 LOVERS LN
City	HARWICH
State	MA
Zip	02645-3009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	2
Census Block	2018
Census Tract	11200

Owner

101 Lovers Ln is owned and occupied by an individual who bought it in September 2021.

Source: Barnstable County and Harwich Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	101 LOVERS LN, HARWICH, MA 02645-3009
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD COOPERATIVE BANK
Jul 16, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage CAPE COD BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2021 · Amount on File
Deed Sale	Sep 29, 2021 · Amount on File
Prior Sale	Aug 14, 2020 · Amount on File
Deed Document Number	20211440701
Record Updated	Oct 29, 2026

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Sep 29, 2021
Property Address	101 LOVERS LN, HARWICH, MA 02645-3009
Document Number	1440701
Instrument Date	Sep 29, 2021
Instrument	1440701
Transaction Type	Transfer
Record Updated	Oct 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LOVERS LN, HARWICH, MA 02645-3009

Mortgage

Document Number	1440702
Date	Sep 29, 2021
Instrument	1440702

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jul 16, 2018
Property Address	101 LOVERS LN, HARWICH, MA 02645-3009
Document Number	0000000583
Instrument Date	Jul 10, 2018
Instrument	583
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	101 LOVERS LN HARWICH MA 026453009, HARWICH, MA 02645-3009

Mortgage

Document Number	585
Date	Jul 16, 2018
Instrument	585

Lender

Name	CAPE COD BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 101 Lovers Ln was $3,432, up 3.9% from the year before.

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	$3,432.00 (+3.87%)	$580,700 (+5.99%) Land $211,000 Building $369,700	$661,865
2024	$3,304.00 (+4.26%)	$547,900 (+14.79%) Land $199,000 Building $348,900
2023	$3,169.00	$477,300 Land $181,000 Building $296,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 Lovers Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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	5 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1996 · rainfall accumulation

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

Wildfire risk around 101 Lovers Ln is low, with less than 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 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

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