Barnstable County and Harwich Town property record for 20 Julia Ct, Harwich, MA 02645
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,272 sqft · built 2023 |
| Lot Size | 0.355 acres (15,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,000 (Aug 2023) |
| Tax Bill | $4,347 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | HARW M:68 P:D60 |
| Primary APN | HARW M:68 P:D60 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,272 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,454 sqft (0.355 acres) |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Electric |
| Account Number | 11923 |
|---|---|
| Street Address | 20 JULIA CT |
| City | HARWICH |
| State | MA |
| Zip | 02645-1712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Subdivision | DIMENSIONS UNLIMITED INC |
| Jurisdiction | HARWICH MA |
| Township / Civil Division | HARWICH |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 11002 |
20 Julia Ct is owned by an individual who bought it in August 2023.
Source: Barnstable County and Harwich Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 50 OAK ST, HARWICH, MA 02645-2702 |
| 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.
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SAVINGS BANK |
| Aug 7, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2023 · Amount on File |
| Deed Sale | Aug 7, 2023 · Amount on File |
| Prior Sale | Nov 21, 2011 · Amount on File |
| Deed Document Number | 202331217 |
| Deed Book / Page | 35925 / 229 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Recording Date | Apr 15, 2026 |
| Property Address | 20 JULIA CT, HARWICH, MA 02645-1712 |
| Document Number | 037567-178 |
| Book / Page | 37567 / 178 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202614251 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 JULIA CT, HARWICH, MA 02645-1712 |
| Document Number | 0000014251, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 37567/178 |
| Instrument | 202614251 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARWICH MA |
| Recording Date | Aug 7, 2023 |
| Property Address | 20 JULIA CT, HARWICH, MA 02645-1712 |
| Document Number | 035925-229 |
| Book / Page | 35925 / 229 |
| Instrument Date | Aug 7, 2023 |
| Instrument | 31217 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 50 OAK ST, HARWICH, MA 02645-2702 |
| Document Number | 0000031218 |
|---|---|
| Date | Aug 7, 2023 |
| Instrument | 31218 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.74% |
| Type Change Date | Sep 1, 2028 |
| Max Rate At Change | 2.75% |
| Index | Other |
The 2025 property tax bill for 20 Julia Ct was $4,347, up 429.5% from the year before.
Source: Barnstable County and Harwich Town assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| County Subdivision | Harwich Town |
| Unified School District | Monomoy Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,347.00 (+429.48%) | $735,500 (+440.01%) Land $144,400 Building $591,100 | $882,170 |
| 2024 | $821.00 (-0.24%) | $136,200 (+9.93%) Land $136,200 | |
| 2023 | $823.00 (-24.63%) | $123,900 (-7.95%) Land $123,900 | |
| 2022 | $1,092.00 | $134,600 Land $134,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Julia Ct in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 20 Julia Ct 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 119 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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