Barnstable County and Harwich Town property record for 13 Pepper Ln, Harwich, MA 02645
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.39 acres (17,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $643,000 (Apr 2026) |
| Tax Bill | $3,600 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | HARW M:56 P:B7-5 |
| Primary APN | HARW M:56 P:B7-5 |
|---|---|
| Alternative APNs |
|
| Lot Area | 17,000 sqft (0.39 acres) |
|---|---|
| Deck Area | Deck Area |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|
| Account Number | 5072 |
|---|---|
| Street Address | 13 PEPPER LN |
| City | HARWICH |
| State | MA |
| Zip | 02645-2306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Jurisdiction | HARWICH MA |
| Township / Civil Division | HARWICH |
| Census Block Group | 4 |
| Census Block | 4039 |
| Census Tract | 11002 |
13 Pepper Ln is owned by two individuals who bought it in April 2026.
Source: Barnstable County and Harwich Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 278 COURT ST, 2, NEW BEDFORD, MA 02740-3702 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 23, 2025 | Deed of Trust, Mortgage PAUL R CHILDS |
| Apr 7, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage FALL RIVER FIVE CENTS SAVINGS BANK |
| Sep 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR |
| Mar 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2026 · Amount on File |
| Deed Sale | Apr 7, 2026 · Amount on File |
| Deed Document Number | 202613088 |
| Deed Book / Page | 37553 / 198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 13 PEPPER LN, HARWICH, MA 02645-2306 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 036992-183 |
|---|---|
| Date | May 23, 2025 |
| Book Page | 36992/183 |
| Instrument | 20552 |
| Name | PAUL R CHILDS |
|---|
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARWICH MA |
| Recording Date | Apr 7, 2026 |
| Property Address | 13 PEPPER LN, HARWICH, MA 02645-2306 |
| Document Number | 037553-198 |
| Book / Page | 37553 / 198 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202613088 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Date | Apr 7, 2026 |
|---|
| Name | FALL RIVER FIVE CENTS SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 13 PEPPER LN, HARWICH, MA 02645-2306 |
| Document Number | 32352-57 |
| Instrument Date | Sep 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 13 PEPPER LN HARWICH MA 026452306, HARWICH, MA 02645-2306 |
| Document Number | 32352-57 |
|---|---|
| Date | Oct 4, 2019 |
| Book Page | 032352/000057 |
| Instrument | 48609 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 3, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 13 PEPPER LN, HARWICH, MA 02645-2306 |
| Document Number | 31144-176 |
| Instrument Date | Mar 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2018 |
| Name | Verified Name |
|---|
| Document Number | 31144-176 |
|---|---|
| Date | Mar 19, 2018 |
| Book Page | 031144/000176 |
| Instrument | 12401 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 18, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.63% |
The 2025 property tax bill for 13 Pepper Ln was $3,600, up 3.7% from the year before.
Source: Barnstable County and Harwich Town assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| County Subdivision | Harwich Town |
| Unified School District | Monomoy Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,600.00 (+3.69%) | $609,100 (+5.78%) Land $156,500 Building $452,600 | $538,460 |
| 2024 | $3,472.00 (+5.56%) | $575,800 (+16.25%) Land $147,600 Building $428,200 | |
| 2023 | $3,289.00 | $495,300 Land $134,200 Building $361,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13 Pepper Ln 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 | 2 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 risk around 13 Pepper Ln is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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