12 Harbor Light Dr, Harwich, MA 02645 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,774 sqft · built 2013
Lot Size	1.02 acres (44,736 sqft)
Owner	2 Trust Names on File
Tax Bill	$11,616 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:114 P:S1-3`

Property Details

APN / Parcel Number

Primary APN	`HARW M:114 P:S1-3`
Alternative APNs	`M:00114 B:S001 L:003` `24224`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,774 sqft Living Area
Gross Area	8,976 sqft
1st Floor Area	2,058 sqft
Basement Area	2,896 sqft
Unfinished Basement	2,096 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,736 sqft (1.02 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	24224
Street Address	12 HARBOR LIGHT DR
City	HARWICH
State	MA
Zip	02645-1579
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	1
Census Block	1011
Census Tract	11100

Owner

12 Harbor Light Dr is owner-occupied and held in a trust since June 2017.

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

Owner of Record	2 Trust Names on File
Mailing Address	12 HARBOR LIGHT DR, HARWICH, MA 02645-1579
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

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, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 24, 2024	Quit Claim Deed, Transfer Quitclaim
Jun 22, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2017
Deed Sale	Jun 22, 2017
Prior Sale	Jun 5, 2012 · Amount on File
Deed Document Number	20171324078
Transfer Doc	119
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Recording Date	May 13, 2026
Property Address	12 HARBOR LIGHT DR, HARWICH, MA 02645-1579
Document Number	0001543661
Instrument Date	Apr 10, 2026
Instrument	20261543661
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 HARBOR LIGHT DR, HARWICH, MA 02645-1579

Mortgage

Document Number	0001543661,
Date	May 13, 2026
Instrument	20261543661

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Max Rate	-1%

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Apr 24, 2024
Property Address	12 HARBOR LIGHT DR, HARWICH, MA 02645-1579
Document Number	0001500879
Instrument Date	Apr 24, 2024
Instrument	1500879
Transaction Type	Transfer
Record Updated	May 10, 2024

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	12 HARBOR LIGHT DR, HARWICH, MA 02645-1579

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jun 22, 2017
Property Address	12 HARBOR LIGHT DR, HARWICH, MA 02645-1579
Document Number	0001324078
Instrument Date	Jun 20, 2017
Instrument	1324078
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	12 HARBOR LIGHT RD HARWICH MA 026451579, HARWICH, MA 02645-1579

Tax Assessment & Valuation

The 2025 property tax bill for 12 Harbor Light Dr was $11,616, up 13.2% 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	$11,616.00 (+13.18%)	$1,965,400 (+15.48%) Land $329,600 Building $1,635,800	$1,503,090
2024	$10,263.00 (+4.45%)	$1,702,000 (+15.02%) Land $310,900 Building $1,391,100
2023	$9,826.00	$1,479,800 Land $282,700 Building $1,197,100

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

Flood

FEMA maps place 12 Harbor Light Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1991.

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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	7 (1991–2018)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 2 claims Winter Coastal Storm, Dec 1992 · 2 claims

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 Harbor Light 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 96% of the US · lower than 92% 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 93 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
T-Mobile Fixed Wireless	100 / 20

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