12 White Ln, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 12 White Ln, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,645 sqft · built 1997
Lot Size	4.37 acres (190,357 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (May 2000)
Tax Bill	$16,861 (2025)
Deeds & Mortgages	Feb 2022 Refinance May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:009.0 P:0016-0401.4`

Property Details

APN / Parcel Number

Primary APN	`M:009.0 P:0016-0401.4`
Alternative APNs	`HARV M:9 B:16 L:401-4` `1250090001604014`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,645 sqft Living Area
Gross Area	6,410 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	190,357 sqft (4.37 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1250090001604014
Street Address	12 WHITE LN
City	HARVARD
State	MA
Zip	01451-1246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HARVARD HILLS
Legal Block	16
Legal Lot Number	401-4
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	1
Census Block	1007
Census Tract	761402

Owner

12 White Ln is owned and occupied by two individuals who bought it in May 2000.

Source: Worcester County and Harvard Town records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 WHITE LN, HARVARD, MA 01451-1246
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
Feb 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET BANK (MA)
May 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage TIAA-CREF TR CO FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2000 · Amount on File
Deed Sale	May 16, 2000 · Amount on File
Prior Sale	Apr 14, 1998 · Amount on File
Deed Book / Page	22591 / 384
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	12 WHITE LN, HARVARD, MA 01451-1246
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067045-17
Date	Feb 1, 2022
Book Page	67045/17
Instrument	12598

Lender

Name	MAIN STREET BANK (MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	12 WHITE LN, HARVARD, MA 01451-1246
Document Number	58775-375
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 WHITE LN HARVARD MA 014511246, HARVARD, MA 01451-1246

Mortgage

Document Number	58775-375
Date	May 9, 2018
Book Page	058775/000375
Instrument	44147

Lender

Name	TIAA-CREF TR CO FSB
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12 White Ln was $16,861, up 5.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,861.00 (+5.53%)	$1,077,400 (+0.48%) Land $365,900 Building $711,500
2024	$15,977.00 (+0.19%)	$1,072,300 (+11.7%) Land $352,500 Building $719,800	$1,391,845
2023	$15,946.00	$960,000 Land $317,100 Building $642,900

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

Flood

FEMA maps place 12 White Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · 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
Nearby Flood Policies	4 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 White Ln is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: T-Mobile, Verizon.

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