162 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 162 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,410 sqft · built 1940
Lot Size	3.3 acres (143,748 sqft)
Owner	Individual Name on File
Last Sale	$445,000 (Nov 2021)
Tax Bill	$7,080 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Dec 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`HARV M:32 B:50`

Property Details

APN / Parcel Number

Primary APN	`HARV M:32 B:50`
Alternative APNs	`M:032.0 P:0050-0000.0` `1250320005000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,410 sqft Living Area
Gross Area	2,289 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	143,748 sqft (3.3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1250320005000000
Street Address	162 STOW RD
City	HARVARD
State	MA
Zip	01451-1828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	50
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3009
Census Tract	761401

Owner

162 Stow Rd is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	162 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
Nov 12, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE NETWORK INC
Dec 27, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021 · Amount on File
Deed Sale	Nov 12, 2021 · Amount on File
Prior Sale	Dec 30, 1994 · Amount on File
Deed Document Number	2021159046
Deed Book / Page	66515 / 223
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Nov 12, 2021
Property Address	162 STOW RD, HARVARD, MA 01451-1828
Document Number	66515-223
Book / Page	66515 / 223
Instrument Date	Nov 12, 2021
Instrument	159046
Transaction Type	Transfer
Record Updated	Nov 25, 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
Relationship	Tenants by the Entirety
Address	162 STOW RD, HARVARD, MA 01451-1828

Mortgage

Document Number	159047
Date	Nov 12, 2021
Instrument	159047

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	162 STOW RD, HARVARD, MA 01451-1828
Document Number	59956-227
Instrument Date	Dec 27, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 STOW RD HARVARD MA 014511828, HARVARD, MA 01451-1828

Mortgage

Document Number	59956-227
Date	Jan 22, 2019
Book Page	059956/000227
Instrument	5765

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 162 Stow Rd was $7,080, 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	$7,080.00 (+5.03%)	$452,400 (-) Land $248,400 Building $204,000
2024	$6,741.00 (-2.25%)	$452,400 (+8.96%) Land $248,400 Building $204,000	$558,315
2023	$6,896.00	$415,200 Land $238,900 Building $176,300

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

Flood

FEMA maps place 162 Stow Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

Wildfire risk around 162 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stow Rd

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