187 Muddy Brook Rd, Hardwick, MA 01037 Property Records

Worcester County and Hardwick Town property record for 187 Muddy Brook Rd, Hardwick, MA 01037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,208 sqft · built 1997
Lot Size	3.31 acres (144,358 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Jan 1997)
Tax Bill	$5,715 (2026)
Deeds & Mortgages	Jul 2026 Second Mortgage Apr 2022 Refinance + 3 more
APN	`290-00010`

Property Details

APN / Parcel Number

Primary APN	`290-00010`
Alternative APNs	`HARD M:0290 B:0000 L:0001-0` `M:0290 B:0000 L:0001=0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	3,794 sqft
1st Floor Area	1,392 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	144,358 sqft (3.31 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	290-00010
Street Address	187 MUDDY BROOK RD
City	HARDWICK
State	MA
Zip	01037-9717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR60
Legal Lot Number	1-0
Jurisdiction	HARDWICK MA
Township / Civil Division	HARDWICK
Census Block Group	1
Census Block	1043
Census Tract	723100

Owner

187 Muddy Brook Rd is owned by two individuals who bought it in January 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 374, HARDWICK, MA 01037-0374
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
Jul 13, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTH BROOKFIELD SAVINGS BANK
Apr 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH BROOKFIELD SAVINGS BANK
Sep 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH BROOKFIELD SAVINGS BANK
Jul 31, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH BROOKFIELD SAVINGS BANK
Apr 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage N BROOKFIELD SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 1997 · Amount on File
Deed Sale	Jan 23, 1997 · Amount on File
Deed Book / Page	18560 / 276
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Recording Date	Jul 13, 2026
Property Address	187 MUDDY BROOK RD, HARDWICK, MA 01037-9717
Document Number	0000058422
Book / Page	73863 / 321
Instrument Date	Jul 8, 2026
Instrument	202658422
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 MUDDY BROOK RD, HARDWICK, MA 01037-9717

Mortgage

Document Number	0000058422,
Date	Jul 13, 2026
Book Page	73863/321
Instrument	202658422

Lender

Name	NORTH BROOKFIELD SAVINGS BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate	6.52%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	187 MUDDY BROOK RD, HARDWICK, MA 01037-9717
Transaction Type	Mortgage
Record Updated	May 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067451-148
Date	Apr 19, 2022
Book Page	67451/148
Instrument	42418

Lender

Name	NORTH BROOKFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	187 MUDDY BROOK RD, HARDWICK, MA 01037-9717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63321-319
Date	Sep 23, 2020
Book Page	63321/319
Instrument	110561

Lender

Name	NORTH BROOKFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	187 MUDDY BROOK RD, HARDWICK, MA 01037-9717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60795-283
Date	Jul 31, 2019
Book Page	60795/283
Instrument	74709

Lender

Name	NORTH BROOKFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2034

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	187 MUDDY BROOK RD, HARDWICK, MA 01037-9717
Document Number	58696-136
Instrument Date	Apr 17, 2018
Transaction Type	Mortgage
Record Updated	May 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 MUDDY BROOK RD HARDWICK MA 010379717, HARDWICK, MA 01037-9717

Mortgage

Document Number	58696-136
Date	Apr 23, 2018
Book Page	058696/000136
Instrument	37469

Lender

Name	N BROOKFIELD SVGS BK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 22, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 187 Muddy Brook Rd was $5,715, up 6.9% from the year before.

Source: Worcester County and Hardwick Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Hardwick Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,715.00 (+6.86%)	$448,600 (+10.3%) Land $48,600 Building $394,600	$491,196 (-7.79%)
2025	$5,348.00 (+4.19%)	$406,700 (-) Land $48,600 Building $358,100	$532,665 (+28.48%)
2024	$5,133.00 (+0.69%)	$406,700 (+6.1%) Land $48,600 Building $358,100	$414,580
2023	$5,098.00	$383,300 Land $46,600 Building $336,700

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

Flood

FEMA's flood maps do not cover 187 Muddy Brook Rd; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 187 Muddy Brook Rd 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	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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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