110 Ruggles Hill Rd, Hardwick, MA 01037 Property Records

Worcester County and Hardwick Town property record for 110 Ruggles Hill Rd, Hardwick, MA 01037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,638 sqft · built 2006
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jun 2022)
Tax Bill	$4,482 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2017 Mortgage + 2 more
APN	`1470-00670`

Property Details

APN / Parcel Number

Primary APN	`1470-00670`
Alternative APNs	`HARD M:1470 B:0000 L:0067-0` `M:1210 B:0000 L:0001-0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,638 sqft Living Area
Gross Area	3,136 sqft
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,994 sqft (0.459 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1470-00670
Street Address	110 RUGGLES HILL RD
City	HARDWICK
State	MA
Zip	01037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V
Legal Lot Number	67-0
Jurisdiction	HARDWICK MA
Township / Civil Division	HARDWICK
Census Block Group	1
Census Block	1077
Census Tract	723100

Owner

Source: Worcester County and Hardwick 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	2 Individual Names on Record
Mailing Address	PO BOX 122, WHEELWRIGHT, MA 01094-0122
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ABSM AMERICAN BANCSHARES MORTGAGE L
Mar 17, 2017	Deed of Trust, Mortgage · FHA Mortgage DREW MORTGAGE ASSOCIATES INC
Dec 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jun 28, 2019	Quit Claim Deed, Transfer · Conventional with PMI QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2022 · Amount on Record
Deed Sale	Jun 16, 2022 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Book / Page	67762 / 275
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Jun 16, 2022
Property Address	110 RUGGLES HILL RD, HARDWICK, MA 01037
Document Number	067762-275
Book / Page	67762 / 275
Instrument Date	Jun 16, 2022
Instrument	65895
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	110 RUGGLES HILL RD, HARDWICK, MA 01037

Mortgage

Document Number	0000065896
Date	Jun 16, 2022
Instrument	65896

Lender

Name	ABSM AMERICAN BANCSHARES MORTGAGE L

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	110 RUGGLES HILL RD, HARDWICK, MA 01037
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56856-329
Date	Mar 17, 2017
Book Page	56856/329
Instrument	26915

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2042

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	110 RUGGLES HILL RD, HARDWICK, MA 01037
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64123-306
Date	Dec 31, 2020
Book Page	64123/306
Instrument	164757

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Jun 28, 2019
Property Address	110 RUGGLES HILL RD, HARDWICK, MA 01037
Document Number	60640-157
Book / Page	060640 / 000157
Instrument Date	Jun 26, 2019
Instrument	62214
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,173.74
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	477 BULLARD ST HOLDEN MA 015202107, HOLDEN, MA 01520-2107

Mortgage

Document Number	60640-160
Date	Jun 28, 2019
Book Page	060640/000160
Instrument	62215

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

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	Assessed Market Value
2025	$4,482.00 (+4.21%)	$340,800 (-) Land $44,200 Building $296,600	$361,570 (+0.13%)
2024	$4,301.00 (-1.94%)	$340,800 (+3.34%) Land $44,200 Building $296,600	$361,095
2023	$4,386.00	$329,800 Land $42,200 Building $287,600

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 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	Direct burnable vegetation

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	HARDWICK CENTER WATER DISTRICT serves 80 people · EPA ID MA1124000
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	16 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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