16 Oakleaf Cir, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 16 Oakleaf Cir, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,451 sqft · built 1980
Lot Size	0.416 acres (18,138 sqft)
Owner	2 Trust Names on File
Last Sale	$260,700 (Jun 2014)
Tax Bill	$3,317 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`HARW M:70 P:K3-26`

Property Details

APN / Parcel Number

Primary APN	`HARW M:70 P:K3-26`
Alternative APNs	`M:00070 B:K003 L:026` `5868`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,451 sqft Living Area
Gross Area	2,579 sqft
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,138 sqft (0.416 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5868
Street Address	16 OAKLEAF CIR
City	HARWICH
State	MA
Zip	02645-1901
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	4010
Census Tract	11100

Owner

16 Oakleaf Cir is held in a trust since June 2014.

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

Owner of Record	2 Trust Names on File
Mailing Address	304 MONTGOMERY AVE, ANN ARBOR, MI 48103-4115
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
Jan 15, 2021	Deed of Trust, Mortgage · ARM QUICKEN LOANS INC
Feb 20, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2014 · Amount on File
Deed Sale	Jun 13, 2014 · Amount on File
Deed Book / Page	28203 / 317
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	16 OAKLEAF CIR, HARWICH, MA 02645-1901
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	033687-110
Date	Jan 15, 2021
Book Page	33687/110
Instrument	3327

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Dec 1, 2030
Index	LIBOR

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Feb 20, 2019
Property Address	16 OAKLEAF CIR, HARWICH, MA 02645-1901
Document Number	31844-51
Book / Page	031844 / 000051
Instrument Date	Jun 11, 2018
Instrument	7538
Transaction Type	Transfer
Record Updated	Mar 12, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	304 MONTGOMERY AVE ANN ARBOR MI 481034115, ANN ARBOR, MI 48103-4115

Tax Assessment & Valuation

The 2025 property tax bill for 16 Oakleaf Cir was $3,317, up 3% 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	$3,317.00 (+3.04%)	$561,200 (+5.13%) Land $210,700 Building $350,500	$621,205
2024	$3,219.00 (+4.17%)	$533,800 (+14.72%) Land $198,700 Building $335,100
2023	$3,090.00	$465,300 Land $180,700 Building $284,600

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

Flood

FEMA maps place 16 Oakleaf Cir in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1991.

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	6 in force
Nearby Flood Claims	3 (1991–2018)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2018 · river or lake flooding

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 16 Oakleaf Cir 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.

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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oakleaf Cir

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