139 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 139 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,809 sqft · built 1994
Lot Size	5.11 acres (222,592 sqft)
Owner	2 Individual Names on File
Last Sale	$1,811,000 (Oct 2023)
Tax Bill	$16,286 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:028.0 P:0025-0005.0`

Property Details

APN / Parcel Number

Primary APN	`M:028.0 P:0025-0005.0`
Alternative APNs	`HARV M:28 B:25 L:5` `1250280002500050`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,809 sqft Living Area
Gross Area	4,764 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Wood Shingle
Lot Area	222,592 sqft (5.11 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1250280002500050
Street Address	139 STOW RD
City	HARVARD
State	MA
Zip	01451-1832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	25
Legal Lot Number	5
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3000
Census Tract	761401

Owner

139 Stow Rd is owned by two individuals who bought it in October 2023.

Source: Worcester County and Harvard Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	19179 RIVERSIDE DR, JUPITER, FL 33469-2569
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 23, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Apr 21, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2023 · Amount on File
Deed Sale	Oct 23, 2023 · Amount on File
Prior Sale	Aug 1, 2001 · Amount on File
Deed Document Number	202388273
Deed Book / Page	69791 / 303
Record Updated	Oct 29, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Oct 23, 2023
Property Address	139 STOW RD, HARVARD, MA 01451-1832
Document Number	069791-303
Book / Page	69791 / 303
Instrument Date	Oct 23, 2023
Instrument	88273
Transaction Type	Transfer
Record Updated	Nov 10, 2023

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	19179 RIVERSIDE DR, TEQUESTA, FL 33469-2569

Mortgage

Document Number	0000088274
Date	Oct 23, 2023
Instrument	88274

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Nov 1, 2030
Max Rate At Change	3%
Index	Other
Margin	3

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	139 STOW RD, HARVARD, MA 01451-1832
Document Number	57079-190
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57079-190
Date	May 8, 2017
Book Page	057079/000190
Instrument	45907

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 7, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 139 Stow Rd was $16,286, up 7.6% 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
2026	$16,286.00 (+7.57%)	$1,026,200 (+6.08%) Land $282,900 Building $743,300	$1,614,525 (-)
2025	$15,140.00 (+5.04%)	$967,400 (-) Land $282,900 Building $684,500	$1,614,525 (-)
2024	$14,414.00 (-1.56%)	$967,400 (+9.73%) Land $282,900 Building $684,500	$1,614,525
2023	$14,643.00	$881,600 Land $273,400 Building $608,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 139 Stow Rd in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
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 139 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 67% of the US · above 98.2% 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 (outdoors only) and 4G LTE

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