11 Stepenshell Rd, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 11 Stepenshell Rd, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,960 sqft · built 1985
Lot Size	0.193 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Sep 2019)
Tax Bill	$3,541 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Aug 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:50 P:Y2-6`

Property Details

APN / Parcel Number

Primary APN	`HARW M:50 P:Y2-6`
Alternative APNs	`M:00050 B:Y002 L:006` `9320`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,960 sqft Living Area
Gross Area	3,668 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1996
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	9320
Street Address	11 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	11 STEPENSHELL RD, HARWICH, MA 02645-3017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN PACIFIC MORTGAGE
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF ENGLAND
Apr 19, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO
Apr 28, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance BANK OF ENGLAND
Sep 9, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2019 · Amount on Record
Deed Sale	Sep 9, 2019 · Amount on Record
Deed Document Number	201943032
Deed Book / Page	32278 / 315
Last Transfer Date	Apr 21, 2020
Transfer Doc	32859-121
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	11 STEPENSHELL RD, HARWICH, MA 02645-3017
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037362-34
Date	Dec 15, 2025
Book Page	37362/34
Instrument	51932

Lender

Name	AMERICAN PACIFIC MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	11 STEPENSHELL RD, HARWICH, MA 02645-3017
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034427-316
Date	Aug 31, 2021
Book Page	34427/316
Instrument	57240

Lender

Name	BANK OF ENGLAND

Agreement

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

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	11 STEPENSHELL RD, HARWICH, MA 02645-3017
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035739-45
Date	Apr 19, 2023
Book Page	35739/45
Instrument	14898

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	541 Months
Due	May 1, 2068

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Apr 28, 2020
Property Address	11 STEPENSHELL RD, HARWICH, MA 02645-3017
Document Number	32859-121
Book / Page	32859 / 121
Instrument Date	Apr 21, 2020
Instrument	19973
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 STEPENSHELL RD, HARWICH, MA 02645-3017

Mortgage

Document Number	32859-123
Date	Apr 28, 2020
Book Page	32859/123
Instrument	19974

Lender

Name	BANK OF ENGLAND

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Sep 9, 2019
Property Address	11 STEPENSHELL RD, HARWICH, MA 02645-3017
Document Number	32278-315
Book / Page	32278 / 315
Instrument Date	Aug 14, 2019
Instrument	43032
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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	11 STEPENSHELL RD, HARWICH, MA 02645-3017

Mortgage

Document Number	43033
Date	Sep 9, 2019
Instrument	43033

Lender

Name	BANK OF ENGLAND

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$3,541.00 (+0.63%)	$599,100 (+2.66%) Land $156,100 Building $443,000	$651,510
2024	$3,519.00 (+4.83%)	$583,600 (+15.45%) Land $165,600 Building $418,000
2023	$3,357.00	$505,500 Land $150,600 Building $354,900

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

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