13 Elm Dr, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 13 Elm Dr, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,612 sqft · built 1978
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Oct 2025)
Tax Bill	$3,529 (2025)
Deeds & Mortgages	Aug 2021 Refinance Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:112 P:A3-31`

Property Details

APN / Parcel Number

Primary APN	`HARW M:112 P:A3-31`
Alternative APNs	`M:00112 B:A003 L:031` `11080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,612 sqft Living Area
Gross Area	3,053 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11080
Street Address	13 ELM DR
City	HARWICH
State	MA
Zip	02645-1312
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	2010
Census Tract	11100

Owner

13 Elm Dr is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	13 ELM DR, HARWICH, MA 02645-1312
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 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Oct 22, 2025	Quit Claim Deed, Transfer LEADER BANK NA
Dec 3, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on File
Deed Sale	Oct 22, 2025 · Amount on File
Prior Sale	Dec 3, 2021 · Amount on File
Deed Book / Page	37255 / 290
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	13 ELM DR, HARWICH, MA 02645-1312
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034363-61
Date	Aug 6, 2021
Book Page	34363/61
Instrument	52234

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

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

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Oct 22, 2025
Property Address	13 ELM DR, HARWICH, MA 02645-1312
Document Number	037255-290
Book / Page	37255 / 290
Instrument Date	Oct 22, 2025
Instrument	43290
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

Mortgage

Document Number	0000043291
Date	Oct 22, 2025
Instrument	43291

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Nov 1, 2032
Index	Other

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Dec 3, 2021
Property Address	13 ELM DR, HARWICH, MA 02645-1312
Document Number	034718-313
Book / Page	34718 / 313
Instrument Date	Dec 2, 2021
Instrument	78924
Transaction Type	Transfer
Record Updated	Jan 26, 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	129 ADIRONDACK HTS, JOHNSTOWN, NY 12095-1139

Mortgage

Document Number	0000078925
Date	Dec 3, 2021
Instrument	78925

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 13 Elm Dr was $3,529, up 6.6% 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	$3,529.00 (+6.65%)	$597,100 (+8.82%) Land $205,600 Building $391,500	$735,490
2024	$3,309.00 (+4.55%)	$548,700 (+15.13%) Land $174,500 Building $374,200
2023	$3,165.00	$476,600 Land $158,700 Building $317,900

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

Flood

FEMA maps place 13 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 13 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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