189 Harvard Rd, Bolton, MA 01740 Property Records

Worcester County and Bolton Town property record for 189 Harvard Rd, Bolton, MA 01740

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,002 sqft · built 2015
Lot Size	2.79 acres (121,532 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Aug 2020)
Tax Bill	$19,954 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BOLT M:006C B:0000 L:0090`

Property Details

APN / Parcel Number

Primary APN	`BOLT M:006C B:0000 L:0090`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,002 sqft Living Area
1st Floor Area	1,621 sqft
Basement Area	1,615 sqft
Unfinished Basement	110 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	121,532 sqft (2.79 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	189 HARVARD RD
City	BOLTON
State	MA
Zip	01740-1042
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	90
Jurisdiction	BOLTON MA
Township / Civil Division	BOLTON
Census Block Group	1
Census Block	1025
Census Tract	715100

Owner

189 Harvard Rd is owned and occupied by two individuals who bought it in August 2020.

Source: Worcester County and Bolton Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	189 HARVARD RD, BOLTON, MA 01740-1042
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
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 17, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2020 · Amount on File
Deed Sale	Aug 17, 2020 · Amount on File
Prior Sale	Sep 2, 2016 · Amount on File
Deed Document Number	202091956
Deed Book / Page	63039 / 263
Prior Transfer Date	Aug 5, 2020
Prior Transfer Doc	63039-263
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOLTON MA
Recording Date	Apr 28, 2026
Property Address	189 HARVARD RD, BOLTON, MA 01740-1042
Document Number	073499-178
Book / Page	73499 / 178
Instrument Date	Apr 17, 2026
Instrument	202632552
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 HARVARD RD, BOLTON, MA 01740-1042

Mortgage

Document Number	0000032552,
Date	Apr 28, 2026
Book Page	73499/178
Instrument	202632552

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Max Rate	-1%

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOLTON MA
Recording Date	Aug 17, 2020
Property Address	189 HARVARD RD, BOLTON, MA 01740-1042
Document Number	63039-263
Book / Page	63039 / 263
Instrument Date	Aug 5, 2020
Instrument	91956
Transaction Type	Transfer
Record Updated	May 12, 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	189 HARVARD RD, BOLTON, MA 01740-1042

Mortgage

Document Number	91957
Date	Aug 17, 2020
Instrument	91957

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 189 Harvard Rd was $19,954, up 5.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,954.00 (+5.11%)	$1,200,600 (+2.84%) Land $227,600 Building $973,000	$997,120 (-8.36%)
2024	$18,984.00 (+9.68%)	$1,167,500 (+18.04%) Land $217,600 Building $949,900	$1,088,035
2023	$17,309.00	$989,100 Land $213,500 Building $775,600

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

Flood

FEMA maps place 189 Harvard Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1991.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1991–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2018 · rainfall accumulation

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 189 Harvard 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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