12 Elm Dr, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 12 Elm Dr, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,354 sqft · built 1974
Lot Size	0.365 acres (15,884 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Aug 2019)
Tax Bill	$3,734 (2025)
Deeds & Mortgages	May 2025 Line of Credit Jun 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:112 P:A3-7`

Property Details

APN / Parcel Number

Primary APN	`HARW M:112 P:A3-7`
Alternative APNs	`M:00112 B:A003 L:007` `11058`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,354 sqft Living Area
Gross Area	3,590 sqft
1st Floor Area	1,354 sqft
Basement Area	1,804 sqft
Unfinished Basement	1,304 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,884 sqft (0.365 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	11058
Street Address	12 ELM DR
City	HARWICH
State	MA
Zip	02645-1338
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	2012
Census Tract	11100

Owner

12 Elm Dr is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	12 ELM DR, HARWICH, MA 02645-1338
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
May 13, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BROKER SOLUTIONS INC
Jun 5, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 9, 2019	Quit Claim Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2019 · Amount on File
Deed Sale	Aug 9, 2019 · Amount on File
Prior Sale	May 2, 2003 · Amount on File
Deed Document Number	201937811
Deed Book / Page	32213 / 261
Prior Transfer Date	Aug 6, 2019
Prior Transfer Doc	32213-261
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	12 ELM DR, HARWICH, MA 02645-1338
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036972-151
Date	May 13, 2025
Book Page	36972/151
Instrument	18753

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	12 ELM DR, HARWICH, MA 02645-1338
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034215-13
Date	Jun 17, 2021
Book Page	34215/13
Instrument	40673

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	12 ELM DR, HARWICH, MA 02645-1338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32961-196
Date	Jun 5, 2020
Book Page	32961/196
Instrument	26842

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jul 1, 2049

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Aug 9, 2019
Property Address	12 ELM DR, HARWICH, MA 02645-1338
Document Number	32213-261
Book / Page	032213 / 000261
Instrument Date	Aug 6, 2019
Instrument	37811
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,023.50
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 BIRCH DR HARWICH MA 026451704, HARWICH, MA 02645-1704

Mortgage

Document Number	32213-263
Date	Aug 9, 2019
Book Page	032213/000263
Instrument	37812

Lender

Name	STEARNS LNDG

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12 Elm Dr was $3,734, up 6.4% 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	$3,734.00 (+6.44%)	$631,800 (+8.61%) Land $206,700 Building $425,100	$571,520
2024	$3,508.00 (+4.75%)	$581,700 (+15.35%) Land $175,500 Building $406,200
2023	$3,349.00 (+2.2%)	$504,300 (+24.8%) Land $159,500 Building $344,800
2022	$3,277.00	$404,100 Land $138,700 Building $265,400

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

Flood

FEMA maps place 12 Elm 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	3 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

Wildfire risk around 12 Elm Dr 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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	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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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