103 Clapp Rd, #103B, Hardwick, MA 01037 Property Records

Worcester County and Hardwick Town property record for 103 Clapp Rd, #103B, Hardwick, MA 01037

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 3,126 sqft · built 2003
Lot Size	6.33 acres (275,953 sqft)
Owner	Individual Name on Record
Tax Bill	$5,547 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jan 2022 Refinance + 1 more
APN	`1370-0009A`

Property Details

APN / Parcel Number

Primary APN	`1370-0009A`
Alternative APNs	`HARD M:1370 B:0000 L:0009-A` `M:1370 B:0000 L:0009=A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,126 sqft Living Area
Gross Area	6,991 sqft
1st Floor Area	2,104 sqft
Basement Area	2,104 sqft
Unfinished Basement	2,104 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2009
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	275,953 sqft (6.33 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1370-0009A
Street Address	103 CLAPP RD, 103B
City	HARDWICK
State	MA
Zip	01037-9725
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AR60
Legal Lot Number	9-A
Jurisdiction	HARDWICK MA
Township / Civil Division	HARDWICK
Census Block Group	1
Census Block	1056
Census Tract	723100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Gilbertville Historic District listed 1991 · 132 contributing resources · NRIS 91001848

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Worcester County and Hardwick Town records, as of April 14, 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	PO BOX 188, HARDWICK, MA 01037-0188
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLLEGE FEDERAL CREDIT UNION
Jan 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBER ADVANTAGE MORTGAGE LLC
Feb 22, 2018	Deed of Trust, Mortgage · Line of Credit UMASSFIVE COLLEGE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	103-103B CLAPP RD, HARDWICK, MA 01037
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067824-201
Date	Jun 29, 2022
Book Page	67824/201
Instrument	70667

Lender

Name	UMASS/FIVE COLLEGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	103-103B CLAPP RD, HARDWICK, MA 01037
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067023-263
Date	Jan 28, 2022
Book Page	67023/263
Instrument	11121

Lender

Name	MEMBER ADVANTAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	103-103B CLAPP RD, HARDWICK, MA 01037
Document Number	58479-200
Instrument Date	Feb 22, 2018
Transaction Type	Mortgage
Record Updated	Mar 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58479-200
Date	Feb 27, 2018
Book Page	058479/000200
Instrument	593

Lender

Name	UMASSFIVE COLLEGE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 26, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Worcester County and Hardwick Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Hardwick Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,547.00 (+4.21%)	$421,800 (-) Land $60,100 Building $361,700
2024	$5,323.00 (+14.37%)	$421,800 (+20.55%) Land $60,100 Building $361,700
2023	$4,654.00	$349,900 Land $57,600 Building $292,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GILBERTVILLE WATER DISTRICT serves 1,089 people · EPA ID MA1124001
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Spectrum, Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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