145 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 145 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,674 sqft · built 1982
Lot Size	2 acres (87,120 sqft)
Owner	Trust Name on File
Last Sale	$480,000 (Dec 2018)
Tax Bill	$9,280 (2025)
Deeds & Mortgages	Dec 2018 Transfer Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARV M:32 B:4`

Property Details

APN / Parcel Number

Primary APN	`HARV M:32 B:4`
Alternative APNs	`M:032.0 P:0004-0000.0` `1250320000400000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,674 sqft Living Area
Gross Area	3,984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1250320000400000
Street Address	145 STOW RD
City	HARVARD
State	MA
Zip	01451-1832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3000
Census Tract	761401

Owner

145 Stow Rd is owner-occupied and held in a trust since December 2018.

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

Owner of Record	Trust Name on File
Mailing Address	145 STOW RD, HARVARD, MA 01451-1832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Dec 28, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 11, 2018	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2018 · Amount on File
Deed Sale	Dec 11, 2018 · Amount on File
Prior Sale	Aug 26, 2003 · Amount on File
Deed Document Number	2018130960
Deed Book / Page	59803 / 313
Prior Transfer Date	Dec 7, 2018
Prior Transfer Doc	59803-313
Record Updated	Oct 29, 2026

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Dec 28, 2018
Property Address	145 STOW RD, HARVARD, MA 01451-1832
Document Number	59885-179
Book / Page	059885 / 000179
Instrument Date	Dec 21, 2018
Instrument	137787
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	145 STOW RD HARVARD MA 014511832, HARVARD, MA 01451-1832

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Dec 11, 2018
Property Address	145 STOW RD, HARVARD, MA 01451-1832
Document Number	59803-313
Book / Page	059803 / 000313
Instrument Date	Dec 7, 2018
Instrument	130960
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,188.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 STOW RD HARVARD MA 014511832, HARVARD, MA 01451-1832

Mortgage

Document Number	59803-316
Date	Dec 11, 2018
Book Page	059803/000316
Instrument	130961

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 10, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 145 Stow Rd was $9,280, 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	$9,280.00 (+5.02%)	$593,000 (-) Land $229,500 Building $363,500
2024	$8,836.00 (-1.87%)	$593,000 (+9.39%) Land $229,500 Building $363,500	$703,950
2023	$9,004.00	$542,100 Land $220,000 Building $322,100

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

Flood

FEMA maps place 145 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 145 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 (outdoors only) and 4G LTE

Nearby Properties on Stow Rd

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