125 W Bare Hill Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 125 W Bare Hill Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,474 sqft · built 1980
Lot Size	3.62 acres (157,687 sqft)
Owner	Individual Name on File
Last Sale	$1,170,000 (Apr 2025)
Tax Bill	$15,109 (2025)
Deeds & Mortgages	Aug 2023 Refinance Apr 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARV M:30 B:47`

Property Details

APN / Parcel Number

Primary APN	`HARV M:30 B:47`
Alternative APNs	`M:030.0 P:0047-0000.0` `1250300004700000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,474 sqft Living Area
Gross Area	6,166 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	157,687 sqft (3.62 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1250300004700000
Street Address	125 W BARE HILL RD
City	HARVARD
State	MA
Zip	01451-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	47
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	4
Census Block	4018
Census Tract	761401

Owner

125 W Bare Hill Rd is owned and occupied by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	125 W BARE HILL RD, HARVARD, MA 01451-1626
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 7, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance MIT FCU
Apr 16, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MIDDLESEX SAVINGS BANK
Sep 17, 2020	Deed of Trust, Mortgage MEMBERS MTG CO INC
Dec 7, 2017	Deed of Trust, Mortgage MEMBERS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2025 · Amount on File
Deed Sale	Apr 16, 2025 · Amount on File
Prior Sale	Feb 9, 2004 · Amount on File
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	125 W BARE HILL RD, HARVARD, MA 01451-1626
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000122159
Date	Aug 7, 2023
Instrument	122159

Lender

Name	MIT FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2043

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Apr 16, 2025
Property Address	125 W BARE HILL RD, HARVARD, MA 01451-1626
Document Number	0000124431
Instrument Date	Apr 16, 2025
Instrument	124431
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	125 W BARE HILL RD, HARVARD, MA 01451-1626

Mortgage

Document Number	0000124432
Date	Apr 16, 2025
Instrument	124432

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	May 1, 2030
Max Rate At Change	2.75%
Index	3-Year CMT

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	125 W BARE HILL RD, HARVARD, MA 01451-1626
Document Number	0000116520
Instrument Date	Sep 17, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 W BARE HILL RD HARVARD MA 014511626, HARVARD, MA 01451-1626

Mortgage

Document Number	0000116520
Date	Sep 23, 2020
Instrument	116520

Lender

Name	MEMBERS MTG CO INC

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.13%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	125 W BARE HILL RD, HARVARD, MA 01451-1626
Document Number	0000111635
Instrument Date	Dec 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000111635
Date	Dec 8, 2017
Instrument	111635

Lender

Name	MEMBERS MTG
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 125 W Bare Hill Rd was $15,109, up 6.5% 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	$15,109.00 (+6.51%)	$965,400 (+1.41%) Land $354,600 Building $610,800
2024	$14,185.00 (-0.43%)	$952,000 (+10.99%) Land $341,200 Building $610,800	$1,052,790
2023	$14,246.00	$857,700 Land $305,800 Building $551,900

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

Flood

FEMA maps place 125 W Bare Hill Rd 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	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

Wildfire risk around 125 W Bare Hill Rd 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 29 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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