Barnstable County and Harwich Town property record for 20 Morgan Cir, Harwich, MA 02645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,547 sqft · built 2000 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $193,750 (Jan 2000) |
| Tax Bill | $3,894 (2025) |
| Deeds & Mortgages | Jun 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | HARW M:65 P:P2-6 |
| Primary APN | HARW M:65 P:P2-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,547 sqft Living Area |
| Gross Area | 3,255 sqft |
| 1st Floor Area | 884 sqft |
| Basement Area | 1,028 sqft |
| Unfinished Basement | 884 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 21417 |
|---|---|
| Street Address | 20 MORGAN CIR |
| City | HARWICH |
| State | MA |
| Zip | 02645-1657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Subdivision | HERITAGE ESTATES |
| Jurisdiction | HARWICH MA |
| Township / Civil Division | HARWICH |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 11002 |
Source: Barnstable County and Harwich Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 267, HARWICH, MA 02645-0267 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 20, 2000 · Amount on Record |
| Deed Sale | Jan 20, 2000 · Amount on Record |
| Deed Book / Page | 12791 / 28 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 20 MORGAN CIR, HARWICH, MA 02645-1657 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 035197-263 |
|---|---|
| Date | Jun 21, 2022 |
| Book Page | 35197/263 |
| Instrument | 31485 |
| Name | CAPE COD FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
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 | $3,894.00 (+3.9%) | $658,800 (+5.98%) Land $259,900 Building $398,900 | $660,155 |
| 2024 | $3,748.00 (+3.31%) | $621,600 (+13.76%) Land $245,200 Building $376,400 | |
| 2023 | $3,628.00 | $546,400 Land $222,900 Building $323,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | None beyond ember reach |
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 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G (outdoors only) and 4G LTE
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