195 Main St, #197, Ware, MA 01082 Property Records

Worcester County and Hardwick Town property record for 195 Main St, #197, Ware, MA 01082

Property Summary

Property Type	Triplex
Details	6 bd · 4.5 ba · 3,656 sqft · built 1890
Lot Size	0.422 acres (18,382 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (May 2025)
Tax Bill	$3,749 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Mar 2024 Transfer + 2 more
APN	`590-00140`

Property Details

APN / Parcel Number

Primary APN	`590-00140`
Alternative APNs	`HARD M:0590 B:0000 L:0014-0` `M:0590 B:0000 L:0014=0`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	16 Rooms
Units	3 Units
Stories	2 Stories
Building Area	3,656 sqft Living Area
Gross Area	7,028 sqft
1st Floor Area	2,024 sqft
Basement Area	1,632 sqft
Unfinished Basement	1,632 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Triplex
Exterior Material	Other
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,382 sqft (0.422 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	590-00140
Street Address	195 MAIN ST, 197
City	WARE
State	MA
Zip	01082
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	GV
Legal Lot Number	14-0
Jurisdiction	HARDWICK MA
Township / Civil Division	HARDWICK
Census Block Group	2
Census Block	2010
Census Tract	723100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Gilbertville Historic District listed 1991 · 132 contributing resources · NRIS 91001848

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

195 Main St, #197 is owned by two individuals who bought it in May 2025.

Source: Worcester County and Hardwick Town records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	64 FLAGG RD, SOUTHBOROUGH, MA 01772-1419
Owner Type	Individual
Vesting	Tenants by the Entirety

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
May 23, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AMERICAN HERITAGE BANK
Mar 20, 2024	Quit Claim Deed, Transfer Quitclaim
Oct 11, 2018	Quit Claim Deed, Transfer Quitclaim
Jul 5, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2025 · Amount on File
Deed Sale	May 23, 2025 · Amount on File
Prior Sale	Jul 5, 2018
Deed Book / Page	72022 / 1
Prior Transfer Date	May 21, 2025
Prior Transfer Doc	00072022-1
Record Updated	Oct 29, 2026

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	May 23, 2025
Property Address	195 MAIN ST # 197, 197, HARDWICK, MA 01082
Document Number	00072022-1
Book / Page	72022 / 1
Instrument Date	May 21, 2025
Instrument	40903
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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	64 FLAGG RD, SOUTHBOROUGH, MA 01772-1419

Mortgage

Document Number	0000040904
Date	May 23, 2025
Instrument	40904

Lender

Name	AMERICAN HERITAGE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Mar 20, 2024
Property Address	195-197 MAIN ST, HARDWICK, MA
Document Number	0070304-40
Book / Page	70304 / 40
Instrument Date	Mar 20, 2024
Instrument	19903
Transaction Type	Transfer
Record Updated	Apr 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 MAIN ST # 197, 197, HARDWICK, MA 01082-1732

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Oct 11, 2018
Property Address	195 MAIN ST # 197, 197, HARDWICK, MA 01082-1732
Document Number	59532-358
Book / Page	059532 / 000358
Instrument Date	Sep 29, 2018
Instrument	108019
Transaction Type	Transfer
Record Updated	Oct 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195-197 MAIN ST HARDWICK MA 01082, HARDWICK, MA 01082

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Jul 5, 2018
Property Address	195 MAIN ST # 197, 197, HARDWICK, MA 01082-1732
Document Number	59056-169
Book / Page	059056 / 000169
Instrument Date	Jun 22, 2018
Instrument	67832
Transaction Type	Transfer
Record Updated	Jul 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195-197 MAIN ST HARDWICK MA 01082, HARDWICK, MA 01082

Tax Assessment & Valuation

The 2025 property tax bill for 195 Main St, #197 was $3,749, up 4.2% 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
2025	$3,749.00 (+4.2%)	$285,100 (-) Land $27,900 Building $257,200
2024	$3,598.00 (+11.22%)	$285,100 (+17.23%) Land $27,900 Building $257,200
2023	$3,235.00	$243,200 Land $26,700 Building $216,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA's flood maps do not cover 195 Main St, #197.

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

FEMA Flood Zone	Not included in the FIRM
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 195 Main St, #197 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GILBERTVILLE WATER DISTRICT serves 1,089 people · EPA ID MA1124001
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 74 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum, Verizon.

Cell Coverage

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

Nearby Properties on Main St

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