Worcester County and Harvard Town property record for 20 White Ln, Harvard, MA 01451
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 6,466 sqft · built 1998 |
| Lot Size | 5.21 acres (226,948 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $789,650 (Jan 1999) |
| Tax Bill | $36,582 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:009.0 P:0016-0401.2 |
| Primary APN | M:009.0 P:0016-0401.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 6,466 sqft Living Area |
| Gross Area | 11,952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 226,948 sqft (5.21 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1250090001604012 |
|---|---|
| Street Address | 20 WHITE LN |
| City | HARVARD |
| State | MA |
| Zip | 01451-1246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | HARVARD HILLS |
| Legal Block | 16 |
| Legal Lot Number | 401-2 |
| Jurisdiction | HARVARD MA |
| Township / Civil Division | HARVARD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 761402 |
20 White Ln is owned and occupied by two individuals who bought it in January 1999.
Source: Worcester County and Harvard Town records, as of April 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 WHITE LN, HARVARD, MA 01451-1246 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 1999 · Amount on File |
| Deed Sale | Jan 15, 1999 · Amount on File |
| Deed Book / Page | 20925 / 187 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARVARD MA |
| Property Address | 20 WHITE LN, HARVARD, MA 01451-1246 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65113-331 |
|---|---|
| Date | May 7, 2021 |
| Book Page | 65113/331 |
| Instrument | 63283 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.63% |
| Type Change Date | Jun 1, 2031 |
| Index | Other |
| Margin | 3 |
The 2025 property tax bill for 20 White Ln was $36,582, up 4.5% from the year before.
Source: Worcester County and Harvard Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Harvard Town |
| Unified School District | Harvard School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $36,582.00 (+4.52%) | $2,337,500 (-0.49%) Land $378,500 Building $1,959,000 | |
| 2024 | $34,999.00 (+1.45%) | $2,348,900 (+13.09%) Land $365,100 Building $1,983,800 | $1,844,805 |
| 2023 | $34,499.00 | $2,077,000 Land $329,700 Building $1,747,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 White Ln in Zone X, an area of minimal flood risk.
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 | 4 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 White Ln 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.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
May also be available: T-Mobile, Verizon.
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