138 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 138 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,518 sqft · built 1979
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on File
Last Sale	$614,000 (Mar 2020)
Tax Bill	$11,246 (2025)
Deeds & Mortgages	Feb 2021 Refinance Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARV M:32 B:58`

Property Details

APN / Parcel Number

Primary APN	`HARV M:32 B:58`
Alternative APNs	`M:032.0 P:0058-0000.0` `1250320005800000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,518 sqft Living Area
Gross Area	4,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Wood Shingle
Lot Area	69,696 sqft (1.6 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1250320005800000
Street Address	138 STOW RD
City	HARVARD
State	MA
Zip	01451-1828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	58
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3008
Census Tract	761401

Owner

138 Stow Rd is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	138 STOW RD, HARVARD, MA 01451-1828
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, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Mar 18, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2020 · Amount on File
Deed Sale	Mar 18, 2020 · Amount on File
Prior Sale	Jun 26, 1992 · Amount on File
Deed Document Number	202028406
Deed Book / Page	62065 / 271
Prior Transfer Date	Mar 13, 2020
Prior Transfer Doc	62065-271
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	138 STOW RD, HARVARD, MA 01451-1828
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64371-271
Date	Feb 1, 2021
Book Page	64371/271
Instrument	15159

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Mar 18, 2020
Property Address	138 STOW RD, HARVARD, MA 01451-1828
Document Number	62065-271
Book / Page	62065 / 271
Instrument Date	Mar 13, 2020
Instrument	28406
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	138 STOW RD, HARVARD, MA 01451-1828

Mortgage

Document Number	28407
Date	Mar 18, 2020
Instrument	28407

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 138 Stow Rd was $11,246, up 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	$11,246.00 (+5.03%)	$718,600 (-) Land $230,200 Building $488,400
2024	$10,707.00 (-2.45%)	$718,600 (+8.75%) Land $230,200 Building $488,400	$827,070
2023	$10,976.00	$660,800 Land $220,700 Building $440,100

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

Flood

FEMA maps place 138 Stow Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 138 Stow 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 32 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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